Data as of Oct 28, 2026.
FDIS vs XHB: Differences, Returns & Fees
Over the year to Oct 28, 2026, FDIS returned −2.4% to XHB's −8.6%; 9% of their weight is in the same names.
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Net assets: $1.6bn on Sep 30, 2026 for Fidelity MSCI Consumer Discretionary Index ETF, and $1.5bn on Oct 27, 2026 for State Street SPDR S&P Homebuilders ETF.
Pair scorecard
FDIS costs 0.27 points a year less; their one-year returns differ by 6.2 points; FDIS is 1.1 times larger.
| Measure | FDIS | XHB |
|---|---|---|
| Return | ||
| Total return, 1 year | −2.4% | −8.6% |
| Drawdown | ||
| Below its high | 5.9%, high on Jan 9, 2026 | 20.5%, high on Oct 18, 2024 |
| Benchmark | ||
| What it tracks | MSCI USA IMI Consumer Discretionary 25/50 Index | S&P Homebuilders Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.08% | 0.35% |
| Net assets, as of Sep 30, 2026 | $1.6bn | $1.4bn |
| Holdings | ||
| Holdings in common | 9% | |
| Top ten holdings, share of the fund | 54.8% | 35.4% |
Holdings in common uses holdings dated Jul 31, 2026 and Oct 27, 2026. Method
Risk and return
Nov 1, 2013 to Oct 23, 2026 · 677 weekly returnsFDIS returned more: +337.9% to +260.2%. FDIS swung less: 20.4% to 26.6%. FDIS fell less at its worst: −37.8% to −48.0%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | FDIS | XHB | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +337.9% | +260.2% | FDIS | Price change plus distributions, reinvested. |
| Annualized | +12.0% | +10.3% | FDIS | Total return as a yearly rate. |
| Price return | +283.7% | +224.3% | FDIS | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 20.4% | 26.6% | FDIS | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 13.7% | 18.0% | FDIS | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −37.8% | −48.0% | FDIS | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.56 | 0.43 | FDIS | Return above Treasury bills per unit of volatility. |
| Sortino | 0.84 | 0.64 | FDIS | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.32 | 0.22 | FDIS | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 677 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, FDIS and XHB hold 9% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Oct 27, 2026.
half
9% in common
Only in one fund ↓
Side by side
FDIS and XHB on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
FDIS and XHB are built for the same job. How do they differ in cost, holdings and results?
- What each follows. FDIS follows MSCI USA IMI Consumer Discretionary 25/50 Index and XHB follows S&P Homebuilders Select Industry Index.
- Holdings in common. 9% 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 FDIS returned −2.4% and XHB −8.6% with distributions reinvested, a gap of 6.2 points.
Data as of Oct 28, 2026.
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FDIS
FDIS tracks an index. Over the year to Oct 28, 2026 it returned −2.4% with distributions reinvested, against −2.5% for its benchmark, the MSCI USA IMI Consumer Discretionary 25/50 Index. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jul 31, 2026, 76% of the fund by weight is stocks the S&P 500 also holds, across 245 positions, with the top ten at 54.8%. It sat 5.9% below its high of Jan 9, 2026 on Oct 28, 2026.
XHB
XHB tracks the S&P Homebuilders. Over the year to Oct 28, 2026 it returned −8.6% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 34 positions, with the top ten at 35.4%. It sat 20.5% below its high of Oct 18, 2024 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, FDIS or XHB?
- In the year to Oct 28, 2026, with distributions reinvested, FDIS returned −2.4% and XHB −8.6%.
- Which is cheaper, FDIS or XHB?
- FDIS is cheaper, by 0.27 percentage points a year. That is about $27 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, FDIS against XHB, data as of Oct 28, 2026. https://etfiq.com/compare/any/fdis-vs-xhb
ETFIQ. (Oct 28, 2026). FDIS against XHB. Retrieved from https://etfiq.com/compare/any/fdis-vs-xhb
[FDIS against XHB (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/fdis-vs-xhb)
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