Data as of Oct 28, 2026.
BNDX vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, BNDX returned −0.9% to XLY's −3.6%; 0% of their weight is in the same names.
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Net assets: $82.9bn on Sep 30, 2026 for Vanguard Total International Bond ETF, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
BNDX costs 0.01 points a year less; their one-year returns differ by 2.7 points; BNDX is 3.9 times larger.
| Measure | BNDX | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | −0.9% | −3.6% |
| Drawdown | ||
| Below its high | 6.8%, high on Jan 12, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg Global Aggregate ex-USD Float Adjusted RIC Capped Index (USD Hedged) | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.07% | 0.08% |
| Net assets, as of Sep 30, 2026 | $82.9bn | $21.3bn |
| Holdings | ||
| 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 Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, BNDX and XLY hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
BNDX and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
BNDX
BNDX tracks an index of Total International Bond. Over the year to Oct 28, 2026 it returned −0.9% with distributions reinvested. The prospectus expense ratio is 0.07% a year.
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, BNDX or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, BNDX returned −0.9% and XLY −3.6%.
- Which is cheaper, BNDX or XLY?
- BNDX is cheaper, by 0.01 percentage points a year. That is about $1 on $10,000 held for a year. Fees come from each fund's prospectus.
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.
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ETFIQ, BNDX against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/bndx-vs-xly
ETFIQ. (Oct 28, 2026). BNDX against XLY. Retrieved from https://etfiq.com/compare/any/bndx-vs-xly
[BNDX against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bndx-vs-xly)
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