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

In the year to Sep 21, 2026, with distributions reinvested, IBIT returned −31.1% and XLY returned −6.9%, so XLY returned more.

Which is cheaper, IBIT or XLY?

IBIT 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

IBIT vs XLY: how they differ

IBIT and XLY hold 0% of their weight in the same names, and XLY returned more over the year.

iShares Bitcoin Trust ETF and State Street Consumer Discretionary Select Sector SPDR ETF.

What they hold in common

By the books each fund has filed, IBIT and XLY hold 0% of their money in the same securities at the same weight.

Only in each
Only in IBIT	Only in XLY
BITCOIN 100.00%	AMAZON.COM INC 23.37%
USD CASH 0.00%	TESLA INC 17.80%
	HOME DEPOT INC 5.19%
	MCDONALD S CORP 4.46%
	TJX COMPANIES INC 3.84%
	BOOKING HOLDINGS INC 3.45%
	STARBUCKS CORP 2.99%
	LOWE S COS INC 2.95%

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 18, 2026.

IBIT and XLY on the fields both publish, as of Sep 21, 2026. Source: ETFIQ.
	IBIT iShares Bitcoin Trust ETF	XLY State Street Consumer Discretionary Select Sector SPDR ETF
Where it sits	Core fund	Core fund
Issuer	iShares	State Street
What it is	Holds bitcoin	Tracks an index of Consumer discretionary
Total return, 1 year	−31.1%	−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	2	50
Net assets	$63.7bn	$21.8bn

IBIT in plain words

IBIT holds bitcoin. Over the year to Sep 18, 2026 it returned −31.1% 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 35.5% 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, IBIT or XLY?: In the year to Sep 21, 2026, with distributions reinvested, IBIT returned −31.1% and XLY returned −6.9%, so XLY returned more.
Which is cheaper, IBIT or XLY?: IBIT charges 0.25% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

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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.

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

A comparison is not a recommendation. Standards and sources