Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VB vs XLY: how they differ
VB and XLY hold 2% of their weight in the same names, and VB returned more over the year.
Vanguard Small-Cap Index Fund and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VB and XLY hold 2% of their money in the same securities at the same weight.
| Holding | VB | XLY |
|---|---|---|
| Tapestry Inc | 0.36% | 0.74% |
| Williams-Sonoma Inc | 0.33% | 0.68% |
| Genuine Parts Co | 0.20% | 0.40% |
| Best Buy Co Inc | 0.18% | 0.37% |
| Ralph Lauren Corp | 0.17% | 0.39% |
| Deckers Outdoor Corp | 0.17% | 0.35% |
| Hasbro Inc | 0.14% | 0.28% |
| Domino's Pizza Inc | 0.12% | 0.23% |
| NVR Inc | 0.11% | 0.46% |
| MGM Resorts International | 0.10% | 0.23% |
| Tractor Supply Co | 0.10% | 0.41% |
| Wynn Resorts Ltd | 0.09% | 0.20% |
| Only in VB | Only in XLY |
|---|---|
| Credo Technology Group Holding Ltd 0.55% | Amazon.com Inc 22.24% |
| Jabil Inc 0.49% | Tesla Inc 19.66% |
| REVOLUTION Medicines Inc 0.46% | Home Depot Inc/The 5.83% |
| Astera Labs Inc 0.45% | McDonald's Corp 4.16% |
| Natera Inc 0.45% | TJX Cos Inc/The 3.93% |
| EMCOR Group Inc 0.45% | Booking Holdings Inc 3.44% |
| Twilio Inc 0.38% | Lowe's Cos Inc 3.08% |
| NRG Energy Inc 0.38% | 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.
| VB Vanguard Small-Cap Index Fund | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | Small-Cap | Consumer discretionary |
| Total return, 1 year | +15.2% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −2.3 pts | −21.6 pts |
| Expense ratio | 0.03% | 0.08% |
| Already in the S&P 500 | 21.7% | 100.0% |
| Holdings | 1311 | 47 |
VB in plain words
VB is an index equity fund tracking the Small-Cap. Over the year to Sep 11, 2026 it returned +15.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year. By its holdings filed for Jun 30, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 1311 positions, with the top ten at 4.3%. It sat 5.1% below its high of Aug 14, 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, VB or XLY?
- In the year to Sep 12, 2026, with distributions reinvested, VB returned +15.2% and XLY returned −4.1%, so VB returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VB or XLY?
- VB charges 0.03% a year and XLY charges 0.08%, so VB is cheaper. Fees come from each fund's prospectus.
- How much do VB and XLY overlap with the S&P 500?
- By their latest filed holdings, 22% of VB and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 2% of their books are the same securities at the same weight.
Other comparisons
Where to next
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, VB against XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/VB-XLY Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources