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

In the year to Sep 13, 2026, with distributions reinvested, BND returned −0.7% and XLY returned −4.1%, so BND returned more. One year is one year; the longer windows are in the table.

Which is cheaper, BND or XLY?

BND charges 0.03% a year and XLY charges 0.08%, so BND is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

BND vs XLY: how they differ

BND is a bond index fund and XLY an equity index fund, and over the year BND returned more, −0.7% against −4.1%.

Vanguard Total Bond Market Index Fund and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.

BND and XLY on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	BND Vanguard Total Bond Market 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	US aggregate bonds	Consumer discretionary
Total return, 1 year	−0.7%	−4.1%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−18.2 pts	−21.6 pts
Expense ratio	0.03%	0.08%
Holdings	not filed	49

BND in plain words

BND is a bond fund tracking the US aggregate bonds. Over the year to Sep 11, 2026 it returned −0.7% 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. It sat 3.8% below its high of Aug 6, 2020 on Sep 11, 2026.

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 Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 49 positions, with the top ten at 68.7%. 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, BND or XLY?: In the year to Sep 13, 2026, with distributions reinvested, BND returned −0.7% and XLY returned −4.1%, so BND returned more. One year is one year; the longer windows are in the table.
Which is cheaper, BND or XLY?: BND charges 0.03% a year and XLY charges 0.08%, so BND 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.

BND against XLY, ETFIQ, data as of Sep 13, 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, BND against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/bnd-vs-xly Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources