Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
DIA vs XLY: how they differ
DIA and XLY hold 10% of their weight in the same names, and DIA returned more over the year.
SPDR Dow Jones Industrial Average ETF Trust and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, DIA and XLY hold 10% of their money in the same securities at the same weight.
| Holding | DIA | XLY |
|---|---|---|
| HOME DEPOT INC | 3.48% | 5.31% |
| MCDONALD S CORP | 2.88% | 4.09% |
| AMAZON.COM INC | 2.87% | 24.68% |
| NIKE INC CL B | 0.42% | 1.15% |
| US DOLLAR | 0.24% | 0.02% |
| Only in DIA | Only in XLY |
|---|---|
| GOLDMAN SACHS GROUP INC 11.61% | TESLA INC 17.84% |
| CATERPILLAR INC 9.17% | BOOKING HOLDINGS INC 3.52% |
| MICROSOFT CORP 5.61% | TJX COMPANIES INC 3.44% |
| UNITEDHEALTH GROUP INC 4.42% | STARBUCKS CORP 2.96% |
| AMGEN INC 4.36% | LOWE S COS INC 2.88% |
| TRAVELERS COS INC/THE 4.19% | GENERAL MOTORS CO 2.03% |
| VISA INC CLASS A SHARES 4.18% | DOORDASH INC A 1.99% |
| JPMORGAN CHASE + CO 4.03% | ROSS STORES INC 1.90% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Sep 10, 2026.
| DIA SPDR Dow Jones Industrial Average ETF Trust | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | Dow Jones Industrial Average | Consumer discretionary |
| Total return, 1 year | +15.6% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −1.9 pts | −21.6 pts |
| Expense ratio | not published | 0.08% |
| Already in the S&P 500 | 97.1% | 100.0% |
| Holdings | 31 | 49 |
DIA in plain words
DIA is an index equity fund tracking the Dow Jones Industrial Average. Over the year to Sep 11, 2026 it returned +15.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. By its holdings filed for Sep 10, 2026, 97% of the fund by weight is stocks the S&P 500 also holds, across 31 positions, with the top ten at 55.1%. It sat 3.1% below its high of Aug 5, 2026 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, DIA or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, DIA returned +15.6% and XLY returned −4.1%, so DIA returned more. One year is one year; the longer windows are in the table.
- How much do DIA and XLY overlap with the S&P 500?
- By their latest filed holdings, 97% of DIA and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 10% of their books are the same securities at the same weight.
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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.
Cite this page. ETFIQ, DIA against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/dia-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources