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

In the year to Oct 28, 2026, with distributions reinvested, GLDM returned +2.8% and XLY −3.6%.

Which is cheaper, GLDM or XLY?

XLY is cheaper, by 0.02 percentage points a year. That is about $2 on $10,000 held for a year. Fees come from each fund's own filings.

Data as of Oct 28, 2026.

Across categories

GLDM vs XLY: Differences, Returns & Fees

Share on X Download as PDF

GLDM is a commodity fund and XLY an equity index fund, and over the year to Oct 28, 2026, GLDM returned +2.8% against −3.6%.

askIQ about this page

askIQ about GLDM and XLY

Net assets on Oct 27, 2026: $30.6bn for SPDR Gold MiniShares Trust and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

GLDM on its own →XLY on its own →

At a glance

+2.8%

GLDM total return, 1 year

−3.6%

XLY total return, 1 year

0.10%

GLDM expense ratio

0.08%

XLY expense ratio

Pair scorecard

XLY costs 0.02 points a year less; their one-year returns differ by 6.4 points; GLDM is 1.4 times larger.

GLDM vs XLY: Differences, Returns & Fees
Measure	GLDM	XLY
Return
Measure	GLDM	XLY
Total return, 1 year	+2.8%	−3.6%
Drawdown
Measure	GLDM	XLY
Below its high	24.5%, high on Jan 29, 2026	6.8%, high on Jan 12, 2026
Benchmark
Measure	GLDM	XLY
What it tracks	Gold	Consumer Discretionary Select Sector Index
Cost and size
Measure	GLDM	XLY
Expense ratio	0.10%	0.08%
Net assets, as of Oct 27, 2026	$30.6bn	$22.4bn
Holdings
Measure	GLDM	XLY
Holdings in common	not published
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		68.5%

Method

Side by side

GLDM SPDR Gold MiniShares Trust XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Commodity ETF Stock ETF

Issuer State Street State Street

What it is Holds gold Tracks an index of Consumer discretionary

Total return, 1 year +2.8% −3.6%

Its benchmark over the same days +2.5% (GLD) +13.6% (SPY)

Gap to its benchmark +0.3 pts vs GLD −17.2 pts vs SPY

Expense ratio 0.10% 0.08%

Holdings not counted 48

Net assets, as of Oct 27, 2026 $30.6bn $22.4bn

GLDM and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

GLDM

Its expense ratio is 0.10% a year, for the three months to Jun 30, 2026, as its 10-Q states.

GLDM holds gold. Over the year to Oct 28, 2026 it returned +2.8% with distributions reinvested, against +2.5% for its benchmark, the price of gold. It sat 24.5% below its high of Jan 29, 2026 on Oct 28, 2026.

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, GLDM or XLY?: In the year to Oct 28, 2026, with distributions reinvested, GLDM returned +2.8% and XLY −3.6%.
Which is cheaper, GLDM or XLY?: XLY is cheaper, by 0.02 percentage points a year. That is about $2 on $10,000 held for a year. Fees come from each fund's own filings.

Other comparisons

GLDM vs XHB GLDM vs XRT GLDM vs XLU GLDM vs XLP IAU vs XLY USO vs XLY SLV vs XLY SIVR vs XLY

Where to next

GLDM on its own →XLY on its own →Hold both: look the portfolio through →Rankings →XLY dividend history →XLY holdings →Standards and sources →

Sources and dates

State Street website ↗

XLY filings on SEC EDGAR ↗

XLY prospectus with the expense ratio (SEC) ↗

Links are sources, not endorsements. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, GLDM against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/gldm-vs-xly

Open data →

Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.