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

In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLY −3.6%.

Which is cheaper, BINC or XLY?

XLY is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.

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

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

Data as of Oct 28, 2026.

Across categories

BINC vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BINC returned +0.5% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $16.8bn for iShares Flexible Income Active ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

BINC on its own →XLY on its own →

At a glance

+0.5%

BINC total return, 1 year

−3.6%

XLY total return, 1 year

0.40%

BINC expense ratio

0.08%

XLY expense ratio

Pair scorecard

XLY costs 0.32 points a year less; their one-year returns differ by 4.1 points; XLY is 1.3 times larger.

BINC vs XLY: Differences, Returns & Fees
Measure	BINC	XLY
Return
Measure	BINC	XLY
Total return, 1 year	+0.5%	−3.6%
Drawdown
Measure	BINC	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	BINC	XLY
What it tracks	No index, actively managed	Consumer Discretionary Select Sector Index
Cost and size
Measure	BINC	XLY
Expense ratio	0.40%	0.08%
Net assets, as of Oct 27, 2026	$16.8bn	$22.4bn
Holdings
Measure	BINC	XLY
Holdings in common	0%
Top ten holdings, share of the fund	24.6%	68.5%

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

What they share

By the books each fund has filed, BINC 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 BINC XLY

Only in one fund ↓

Only in BINC

BLACKROCK CASH CL INST SL AGENCY 5.80%

UMBS 30YR TBA(REG A) 4.50%

TREASURY NOTE (2OLD) 4.34%

UMBS 30YR TBA(REG A) 2.91%

UMBS 30YR TBA(REG A) 2.21%

CASH COLLATERAL MORGAN STANLEY & C 1.68%

ISHARES IBOXX $ INV GRADE CORPORAT 0.99%

EUR/USD 0.83%

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

BINC iShares Flexible Income Active ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Actively managed Tracks an index of Consumer discretionary

Total return, 1 year +0.5% −3.6%

Its benchmark over the same days not measured +13.6% (SPY)

Gap to its benchmark not measured −17.2 pts vs SPY

Expense ratio 0.40% 0.08%

Already in the S&P 500 0.0% 99.9%

Holdings 4690 48

Net assets, as of Oct 27, 2026 $16.8bn $22.4bn

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

Alert

About each fund

BINC

BINC is actively managed and tracks no index. Over the year to Oct 28, 2026 it returned +0.5% with distributions reinvested. The prospectus expense ratio is 0.40% 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 4,690 positions, with the top ten at 24.6%.

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, BINC or XLY?: In the year to Oct 28, 2026, with distributions reinvested, BINC returned +0.5% and XLY −3.6%.
Which is cheaper, BINC or XLY?: XLY is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do BINC and XLY overlap with the S&P 500?: By their latest filed holdings, 0% of BINC and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

BINC vs XHB BINC vs XRT BINC vs XLU BINC vs XLP IEI vs XLY SCHP vs XLY HYG vs XLY TIP vs XLY

Where to next

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

Sources and dates

BINC filings on SEC EDGAR ↗

BINC prospectus with the expense ratio (SEC) ↗

iShares page for BINC ↗

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

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