Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
FNDX vs XLY: how they differ
FNDX and XLY hold 7% of their weight in the same names, and FNDX returned more over the year.
Schwab Fundamental U.S. Large Company ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, FNDX and XLY hold 7% of their money in the same securities at the same weight.
| Holding | FNDX | XLY |
|---|---|---|
| Amazon.com Inc | 1.86% | 22.24% |
| General Motors Co | 0.74% | 1.73% |
| Ford Motor Co | 0.60% | 1.35% |
| Home Depot Inc/The | 0.52% | 5.83% |
| Tesla Inc | 0.34% | 19.66% |
| Lowe's Cos Inc | 0.33% | 3.08% |
| McDonald's Corp | 0.24% | 4.16% |
| TJX Cos Inc/The | 0.20% | 3.93% |
| Starbucks Corp | 0.19% | 2.90% |
| DR Horton Inc | 0.17% | 1.07% |
| NIKE Inc | 0.16% | 1.23% |
| eBay Inc | 0.16% | 1.24% |
| Only in FNDX | Only in XLY |
|---|---|
| Apple Inc 4.64% | DoorDash Inc 1.74% |
| Intel Corp 2.57% | Carvana Co 1.17% |
| Alphabet Inc 2.38% | Garmin Ltd 0.97% |
| Microsoft Corp 2.33% | Lululemon Athletica Inc 0.30% |
| Exxon Mobil Corp 2.29% | Norwegian Cruise Line Holdings Ltd 0.24% |
| Alphabet Inc 1.90% | Wynn Resorts Ltd 0.20% |
| Micron Technology Inc 1.60% | |
| Chevron Corp 1.49% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and May 31, 2026.
| FNDX Schwab Fundamental U.S. Large Company ETF | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Schwab | State Street |
| What it is | Fundamental U.S. Large Company | Consumer discretionary |
| Total return, 1 year | +26.1% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +8.6 pts | −21.6 pts |
| Expense ratio | 0.25% | 0.08% |
| Already in the S&P 500 | 91.2% | 100.0% |
| Holdings | 733 | 47 |
FNDX in plain words
FNDX is an index equity fund tracking the Fundamental U.S. Large Company. Over the year to Sep 11, 2026 it returned +26.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.25% a year. By its holdings filed for May 31, 2026, 91% of the fund by weight is stocks the S&P 500 also holds, across 733 positions, with the top ten at 22.5%.
XLY in plain words
XLY is an index equity fund tracking the Consumer discretionary. Over the year to Sep 11, 2026 it returned −4.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 47 positions, with the top ten at 69.2%. It sat 8.9% below its high of Jan 12, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, FNDX or XLY?
- In the year to Sep 12, 2026, with distributions reinvested, FNDX returned +26.1% and XLY returned −4.1%, so FNDX returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, FNDX or XLY?
- FNDX charges 0.25% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.
- How much do FNDX and XLY overlap with the S&P 500?
- By their latest filed holdings, 91% of FNDX and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 7% of their books are the same securities at the same weight.
Other comparisons
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, FNDX against XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/FNDX-XLY Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources