Data as of Oct 28, 2026.
COWZ vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, COWZ returned +24.4% to XLY's −3.6%; 12% of their weight is in the same names.
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Net assets on Oct 27, 2026: $19.5bn for Pacer US Cash Cows 100 ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
XLY costs 0.41 points a year less; their one-year returns differ by 28.0 points; XLY is 1.1 times larger.
| Measure | COWZ | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | +24.4% | −3.6% |
| Drawdown | ||
| Below its high | 6.8%, high on Jan 12, 2026 | |
| Benchmark | ||
| What it tracks | Pacer US Cash Cows 100 Index | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.49% | 0.08% |
| Net assets, as of Oct 27, 2026 | $19.5bn | $22.4bn |
| Holdings | ||
| Holdings in common | 12% | |
| Top ten holdings, share of the fund | 20.4% | 68.5% |
Holdings in common uses holdings dated Jul 31, 2026 and Oct 27, 2026. Method
Risk and return
Dec 30, 2016 to Oct 23, 2026 · 512 weekly returnsCOWZ returned more: +251.9% to +206.0%. COWZ swung less: 19.6% to 21.9%. COWZ fell slightly less at its worst: −36.3% to −38.3%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | COWZ | XLY | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +251.9% | +206.0% | COWZ | Price change plus distributions, reinvested. |
| Annualized | +13.6% | +12.0% | COWZ | Total return as a yearly rate. |
| Price return | +188.5% | +177.9% | COWZ (slight) | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 19.6% | 21.9% | COWZ | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 13.8% | 14.8% | COWZ (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −36.3% | −38.3% | COWZ (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.62 | 0.51 | COWZ | Return above Treasury bills per unit of volatility. |
| Sortino | 0.89 | 0.76 | COWZ | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.38 | 0.31 | COWZ | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 512 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, COWZ and XLY hold 12% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Oct 27, 2026.
half
12% in common
Only in one fund ↓
Side by side
COWZ and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
COWZ and XLY do different jobs. What does each one do in a portfolio?
- What each follows. COWZ follows Pacer US Cash Cows 100 Index and XLY follows Consumer Discretionary Select Sector Index.
- Holdings in common. 12% of the weight is in the same securities (holdings dated Jul 31, 2026 and Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 COWZ returned +24.4% and XLY −3.6% with distributions reinvested, a gap of 28.0 points.
Data as of Oct 28, 2026.
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COWZ
COWZ tracks an index of US Cash Cows 100. Over the year to Oct 28, 2026 it returned +24.4% with distributions reinvested. The prospectus expense ratio is 0.49% a year. By its holdings filed for Jul 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 100 positions, with the top ten at 20.4%.
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, COWZ or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, COWZ returned +24.4% and XLY −3.6%.
- Which is cheaper, COWZ or XLY?
- XLY is cheaper, by 0.41 percentage points a year. That is about $41 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, COWZ against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/cowz-vs-xly
ETFIQ. (Oct 28, 2026). COWZ against XLY. Retrieved from https://etfiq.com/compare/any/cowz-vs-xly
[COWZ against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/cowz-vs-xly)
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