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

In the year to Sep 21, 2026, with distributions reinvested, FBTC returned −31.0% and XLY returned −6.9%, so XLY returned more.

Which is cheaper, FBTC or XLY?

FBTC charges 0.25% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

Data as of Sep 21, 2026.

ETFIQetfiq.com · independent ETF data

FBTC vs XLY: how they differ

FBTC is a spot crypto ETP and XLY an equity index fund, and over the year XLY returned more, −6.9% against −31.0%.

Fidelity Wise Origin Bitcoin Fund and State Street Consumer Discretionary Select Sector SPDR ETF.

FBTC and XLY on the fields both publish, as of Sep 21, 2026. Source: ETFIQ.
	FBTC Fidelity Wise Origin Bitcoin Fund	XLY State Street Consumer Discretionary Select Sector SPDR ETF
Where it sits	Core fund	Core fund
Issuer	Fidelity	State Street
What it is	Holds bitcoin	Tracks an index of Consumer discretionary
Total return, 1 year	−31.0%	−6.9%
S&P 500 over the same days	+16.6%	+16.6%
Gap to the S&P 500	−47.6 pts	−23.5 pts
Expense ratio	0.25%	0.08%
Holdings	not filed	50
Net assets	$13.9bn	$21.8bn

FBTC in plain words

FBTC holds bitcoin. Over the year to Sep 18, 2026 it returned −31.0% with distributions reinvested, against +16.6% for the S&P 500 and +21.8% for the Nasdaq-100. The prospectus expense ratio is 0.25% a year. It sat 35.4% below its high of Oct 6, 2025 on Sep 18, 2026.

XLY in plain words

XLY tracks an index of Consumer discretionary. Over the year to Sep 18, 2026 it returned −6.9% with distributions reinvested, against +16.6% for the S&P 500 and +21.8% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Sep 18, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 50 positions, with the top ten at 68.0%. It sat 10.5% below its high of Jan 12, 2026 on Sep 18, 2026.

Questions people ask

Which returned more over the last year, FBTC or XLY?: In the year to Sep 21, 2026, with distributions reinvested, FBTC returned −31.0% and XLY returned −6.9%, so XLY returned more.
Which is cheaper, FBTC or XLY?: FBTC charges 0.25% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

Other comparisons

Where to next

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.

FBTC against XLY, ETFIQ, data as of Sep 21, 2026. Every figure is calculated from a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, FBTC against XLY, data as of Sep 21, 2026. https://etfiq.com/compare/any/fbtc-vs-xly Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources