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

In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XLY −3.6%.

Which is cheaper, AGG or XLY?

AGG is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

AGG vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, AGG returned −1.4% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

AGG on its own →XLY on its own →

At a glance

−1.4%

AGG total return, 1 year

−3.6%

XLY total return, 1 year

0.03%

AGG expense ratio

0.08%

XLY expense ratio

Pair scorecard

AGG costs 0.05 points a year less; their one-year returns differ by 2.2 points; AGG is 6.2 times larger.

AGG vs XLY: Differences, Returns & Fees
Measure	AGG	XLY
Return
Measure	AGG	XLY
Total return, 1 year	−1.4%	−3.6%
Drawdown
Measure	AGG	XLY
Below its high	3.4%, high on Aug 4, 2020	6.8%, high on Jan 12, 2026
Benchmark
Measure	AGG	XLY
What it tracks	Bloomberg U.S. Aggregate Bond Index	Consumer Discretionary Select Sector Index
Cost and size
Measure	AGG	XLY
Expense ratio	0.03%	0.08%
Net assets, as of Oct 27, 2026	$139.4bn	$22.4bn
Holdings
Measure	AGG	XLY
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		68.5%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, AGG and XLY hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first AGG XLY

Only in one fund ↓

Only in AGG

BLACKROCK CASH CL INST SL AGENCY 3.02%

TREASURY NOTE 0.40%

TREASURY NOTE (OLD) 0.40%

TREASURY NOTE 0.40%

TREASURY NOTE 0.39%

TREASURY NOTE 0.38%

Only in XLY

AMAZON.COM INC 22.43%

TESLA INC 19.15%

HOME DEPOT INC 5.30%

MCDONALD S CORP 4.31%

TJX COMPANIES INC 4.07%

STARBUCKS CORP 3.09%

BOOKING HOLDINGS INC 2.97%

LOWE S COS INC 2.92%

Check overlap with more funds →

Side by side

AGG iShares Core U.S. Aggregate Bond ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of US aggregate bonds Tracks an index of Consumer discretionary

Total return, 1 year −1.4% −3.6%

Its benchmark over the same days −1.3% (SCHZ) +13.6% (SPY)

Gap to its benchmark −0.1 pts vs SCHZ −17.2 pts vs SPY

Expense ratio 0.03% 0.08%

Holdings 13469 48

Net assets, as of Oct 27, 2026 $139.4bn $22.4bn

AGG and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

AGG

AGG tracks an index of US aggregate bonds. Over the year to Oct 28, 2026 it returned −1.4% with distributions reinvested, against −1.3% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.4% below its high of Aug 4, 2020 on Oct 28, 2026.

XLY

XLY tracks an index of Consumer discretionary. Over the year to Oct 28, 2026 it returned −3.6% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 48 positions, with the top ten at 68.5%. It sat 6.8% below its high of Jan 12, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, AGG or XLY?: In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XLY −3.6%.
Which is cheaper, AGG or XLY?: AGG is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs XHB AGG vs XRT AGG vs XLV AGG vs XOP BND vs XLY SGOV vs XLY BNDX vs XLY VCIT vs XLY

Where to next

AGG on its own →XLY on its own →Hold both: look the portfolio through →Rankings →AGG dividend history →AGG holdings →XLY dividend history →XLY holdings →Standards and sources →

Sources and dates

AGG filings on SEC EDGAR ↗

AGG prospectus with the expense ratio (SEC) ↗

iShares page for AGG ↗

XLY filings on SEC EDGAR ↗

XLY prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, AGG against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/agg-vs-xly

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.