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

In the year to Oct 28, 2026, with distributions reinvested, AOR returned +7.8% and XLY −3.6%.

Which is cheaper, AOR or XLY?

XLY is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do AOR and XLY overlap with the S&P 500?

By their latest filed holdings, 0% of AOR and 100% of XLY by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

AOR vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, AOR returned +7.8% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets: $3.9bn on Oct 28, 2026 for iShares Core 60/40 Balanced Allocation ETF, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.

AOR on its own →XLY on its own →

At a glance

+7.8%

AOR total return, 1 year

−3.6%

XLY total return, 1 year

0.15%

AOR expense ratio

0.08%

XLY expense ratio

Pair scorecard

XLY costs 0.07 points a year less; their one-year returns differ by 11.4 points; XLY is 5.7 times larger.

AOR vs XLY: Differences, Returns & Fees
Measure	AOR	XLY
Return
Measure	AOR	XLY
Total return, 1 year	+7.8%	−3.6%
Drawdown
Measure	AOR	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	AOR	XLY
What it tracks	60/40 Balanced Allocation	Consumer Discretionary Select Sector Index
Cost and size
Measure	AOR	XLY
Expense ratio	0.15%	0.08%
Net assets, as of Oct 27, 2026	$3.9bn	$22.4bn
Holdings
Measure	AOR	XLY
Holdings in common	0%
Top ten holdings, share of the fund	99.9%	68.5%

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

What they share

By the books each fund has filed, AOR 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 AOR XLY

Only in one fund ↓

Only in AOR

ISHARES CORE S&P ETF TRUST 35.70%

ISHARES CORE UNIV USD BOND ETF 32.15%

ISHARES CORE MSCI INT DEVEL ETF 17.10%

ISHARES CORE MSCI EMERGING MARKETS 6.34%

iShares Core Intl Aggregate Bnd ET 5.81%

ISHARES CORE S&P MID-CAP ETF 1.89%

ISHARES CORE S&P SMALL-CAP ETF 0.92%

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

AOR iShares Core 60/40 Balanced Allocation ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Allocation ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of 60/40 Balanced Allocation Tracks an index of Consumer discretionary

Total return, 1 year +7.8% −3.6%

Its benchmark over the same days +13.4% (ACWI) +13.6% (SPY)

Gap to its benchmark −5.6 pts vs ACWI −17.2 pts vs SPY

Expense ratio 0.15% 0.08%

Already in the S&P 500 0.0% 99.9%

Holdings 7 48

Net assets, AOR as of Oct 28, 2026 and XLY as of Oct 27, 2026 $3.9bn $22.4bn

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

Alert

About each fund

AOR

AOR tracks an index of 60/40 Balanced Allocation. Over the year to Oct 28, 2026 it returned +7.8% with distributions reinvested, against +13.4% for its benchmark, the MSCI All Country World Index. The prospectus expense ratio is 0.15% a year. By its holdings published by its issuer for Oct 27, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 7 positions, with the top ten at 99.9%.

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, AOR or XLY?: In the year to Oct 28, 2026, with distributions reinvested, AOR returned +7.8% and XLY −3.6%.
Which is cheaper, AOR or XLY?: XLY is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do AOR and XLY overlap with the S&P 500?: By their latest filed holdings, 0% of AOR and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

AOR vs XHB AOR vs XRT AOR vs XLU AOR vs XLP CGBL vs XLY IYR vs XLY HYMB vs XLY FXI vs XLY

Where to next

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

Sources and dates

AOR filings on SEC EDGAR ↗

AOR prospectus with the expense ratio (SEC) ↗

iShares page for AOR ↗

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

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