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

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

Which is cheaper, VTIP or XLY?

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

VTIP vs XLY: how they differ

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

Vanguard Short-Term Inflation-Protected Securities 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, VTIP 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 VTIP	Only in XLY
United States Treasury Inflation Indexed 5.44%	Amazon.com Inc 22.24%
United States Treasury Inflation Indexed 5.38%	Tesla Inc 19.66%
United States Treasury Inflation Indexed 5.36%	Home Depot Inc/The 5.83%
United States Treasury Inflation Indexed 5.19%	McDonald's Corp 4.16%
United States Treasury Inflation Indexed 5.02%	TJX Cos Inc/The 3.93%
United States Treasury Inflation Indexed 4.88%	Booking Holdings Inc 3.44%
United States Treasury Inflation Indexed 4.87%	Lowe's Cos Inc 3.08%
United States Treasury Inflation Indexed 4.79%	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.

VTIP and XLY on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VTIP Vanguard Short-Term Inflation-Protected Securities 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 Inflation-Protected Securities	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	0.03%	0.08%
Holdings	25	47

VTIP in plain words

VTIP is a bond fund tracking the Short-Term Inflation-Protected Securities. 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 0.03% 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, VTIP or XLY?: In the year to Sep 12, 2026, with distributions reinvested, VTIP returned +1.7% and XLY returned −4.1%, so VTIP returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VTIP or XLY?: VTIP charges 0.03% a year and XLY charges 0.08%, so VTIP 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.

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

A comparison is not a recommendation. Standards and sources