Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
SCHH vs XLY: how they differ
SCHH and XLY hold 0% of their weight in the same names, and SCHH returned more over the year.
Schwab U.S. REIT ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SCHH and XLY hold 0% of their money in the same securities at the same weight.
| Only in SCHH | Only in XLY |
|---|---|
| Welltower Inc 9.64% | Amazon.com Inc 22.24% |
| Prologis Inc 8.97% | Tesla Inc 19.66% |
| Equinix Inc 4.89% | Home Depot Inc/The 5.83% |
| Simon Property Group Inc 4.48% | McDonald's Corp 4.16% |
| Digital Realty Trust Inc 4.36% | TJX Cos Inc/The 3.93% |
| American Tower Corp 4.35% | Booking Holdings Inc 3.44% |
| Realty Income Corp 4.00% | Lowe's Cos Inc 3.08% |
| Public Storage 3.41% | Starbucks Corp 2.90% |
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.
| SCHH Schwab U.S. REIT 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 | US REIT | Consumer discretionary |
| Total return, 1 year | +9.8% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −7.7 pts | −21.6 pts |
| Expense ratio | 0.07% | 0.08% |
| Already in the S&P 500 | 74.0% | 100.0% |
| Holdings | 117 | 47 |
SCHH in plain words
SCHH is an index equity fund tracking the US REIT. Over the year to Sep 11, 2026 it returned +9.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.07% a year. By its holdings filed for May 31, 2026, 74% of the fund by weight is stocks the S&P 500 also holds, across 117 positions, with the top ten at 49.8%. It sat 6.7% below its high of Jul 24, 2026 on Sep 11, 2026.
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, SCHH or XLY?
- In the year to Sep 12, 2026, with distributions reinvested, SCHH returned +9.8% and XLY returned −4.1%, so SCHH returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SCHH or XLY?
- SCHH charges 0.07% a year and XLY charges 0.08%, so SCHH is cheaper. Fees come from each fund's prospectus.
- How much do SCHH and XLY overlap with the S&P 500?
- By their latest filed holdings, 74% of SCHH and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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, SCHH against XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHH-XLY Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources