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

In the year to Sep 12, 2026, with distributions reinvested, VCSH returned +1.6% and XLY returned −4.1%, so VCSH returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VCSH or XLY?

VCSH charges 0.03% a year and XLY charges 0.08%, so VCSH 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

VCSH vs XLY: how they differ

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

Vanguard Short-Term Corporate Bond 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, VCSH 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 VCSH	Only in XLY
United States Treasury Note/Bond 0.85%	Amazon.com Inc 22.24%
Bank of America Corp 0.24%	Tesla Inc 19.66%
AbbVie Inc 0.21%	Home Depot Inc/The 5.83%
CVS Health Corp 0.21%	McDonald's Corp 4.16%
T-Mobile USA Inc 0.20%	TJX Cos Inc/The 3.93%
Boeing Co/The 0.20%	Booking Holdings Inc 3.44%
Wells Fargo & Co 0.18%	Lowe's Cos Inc 3.08%
JPMorgan Chase & Co 0.18%	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.

VCSH and XLY on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VCSH Vanguard Short-Term Corporate Bond 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	Short-Term Corporate Bond	Consumer discretionary
Total return, 1 year	+1.6%	−4.1%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−15.9 pts	−21.6 pts
Expense ratio	0.03%	0.08%
Holdings	2999	47

VCSH in plain words

VCSH is a bond fund tracking the Short-Term Corporate Bond. Over the year to Sep 11, 2026 it returned +1.6% 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.

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, VCSH or XLY?: In the year to Sep 12, 2026, with distributions reinvested, VCSH returned +1.6% and XLY returned −4.1%, so VCSH returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VCSH or XLY?: VCSH charges 0.03% a year and XLY charges 0.08%, so VCSH 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.

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

A comparison is not a recommendation. Standards and sources