Which returned more over the last year, SHY or XLY?

In the year to Sep 12, 2026, with distributions reinvested, SHY returned +1.7% and XLY returned −4.1%, so SHY returned more. One year is one year; the longer windows are in the table.

Which is cheaper, SHY or XLY?

SHY charges 0.15% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SHY vs XLY: how they differ

SHY and XLY hold 0% of their weight in the same names, and SHY returned more over the year.

iShares 1-3 Year Treasury Bond ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, SHY and XLY hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in SHY	Only in XLY
United States of America 1.97%	Amazon.com Inc 22.24%
United States of America 1.86%	Tesla Inc 19.66%
United States of America 1.72%	Home Depot Inc/The 5.83%
United States of America 1.62%	McDonald's Corp 4.16%
United States of America 1.61%	TJX Cos Inc/The 3.93%
United States of America 1.53%	Booking Holdings Inc 3.44%
United States of America 1.49%	Lowe's Cos Inc 3.08%
United States of America 1.47%	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.

SHY and XLY on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	SHY iShares 1-3 Year Treasury Bond ETF	XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	1-3 Year Treasury Bond	Consumer discretionary
Total return, 1 year	+1.7%	−4.1%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−15.8 pts	−21.6 pts
Expense ratio	0.15%	0.08%
Holdings	89	47

SHY in plain words

SHY is a bond fund tracking the 1-3 Year Treasury Bond. Over the year to Sep 11, 2026 it returned +1.7% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.15% a year.

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, SHY or XLY?: In the year to Sep 12, 2026, with distributions reinvested, SHY returned +1.7% and XLY returned −4.1%, so SHY returned more. One year is one year; the longer windows are in the table.
Which is cheaper, SHY or XLY?: SHY charges 0.15% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

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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.

SHY against XLY, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, SHY against XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/SHY-XLY Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources