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

In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and XLY −3.6%.

Which is cheaper, ITOT or XLY?

ITOT is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do ITOT and XLY overlap with the S&P 500?

By their latest filed holdings, 88% of ITOT and 100% of XLY by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

ITOT vs XLY: Differences, Returns & Fees

Share on X Download as PDF

Over the year to Oct 28, 2026, ITOT returned +13.4% to XLY's −3.6%; 8% of their weight is in the same names.

askIQ about this page

askIQ about ITOT and XLY

Net assets on Oct 27, 2026: $97.1bn for iShares Core S&P Total U.S. Stock Market ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

ITOT on its own →XLY on its own →

At a glance

+13.4%

ITOT total return, 1 year

−3.6%

XLY total return, 1 year

0.03%

ITOT expense ratio

0.08%

XLY expense ratio

Pair scorecard

ITOT costs 0.05 points a year less; their one-year returns differ by 17.0 points; ITOT is 4.3 times larger.

ITOT vs XLY: Differences, Returns & Fees
Measure	ITOT	XLY
Return
Measure	ITOT	XLY
Total return, 1 year	+13.4%	−3.6%
Drawdown
Measure	ITOT	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	ITOT	XLY
What it tracks	S&P Total Market Index (TMI)	Consumer Discretionary Select Sector Index
Cost and size
Measure	ITOT	XLY
Expense ratio	0.03%	0.08%
Net assets, as of Oct 27, 2026	$97.1bn	$22.4bn
Holdings
Measure	ITOT	XLY
Holdings in common	8%
Top ten holdings, share of the fund	33.9%	68.5%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, ITOT and XLY hold 8% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

8% in common

Positions both hold · largest shared weight first ITOT XLY

AMAZON.COM INC 3.32% 22.43%

TESLA INC 1.54% 19.15%

HOME DEPOT 0.43% 5.30%

MCDONALDS CORP 0.24% 4.31%

TJX 0.21% 4.07%

STARBUCKS CORP 0.16% 3.09%

BOOKING HOLDINGS 0.15% 2.97%

LOWES COMPANIES INC 0.15% 2.92%

MARRIOTT INTERNATIONAL CLASS A 0.11% 2.19%

HILTON WORLDWIDE HOLDINGS 0.10% 2.04%

OREILLY AUTOMOTIVE INC 0.10% 1.91%

ROSS STORES INC 0.10% 1.94%

Only in one fund ↓

Only in ITOT

NVIDIA 7.06%

APPLE 6.78%

MICROSOFT 5.28%

ALPHABET CLASS A 2.52%

BROADCOM INC 2.18%

ALPHABET CLASS C 2.02%

META PLATFORMS CLASS A 1.83%

MICRON TECHNOLOGY 1.40%

Only in XLY

XAY CONS DISCRET DEC26 0.00%

Check overlap with more funds →

Side by side

ITOT iShares Core S&P Total U.S. Stock Market ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Stock ETF Stock ETF

Issuer iShares State Street

What it is Tracks the S&P Total U.S. Stock Market Tracks an index of Consumer discretionary

Total return, 1 year +13.4% −3.6%

Its benchmark over the same days not measured +13.6% (SPY)

Gap to its benchmark not measured −17.2 pts vs SPY

Expense ratio 0.03% 0.08%

Already in the S&P 500 88.1% 99.9%

Holdings 2443 48

Net assets, as of Oct 27, 2026 $97.1bn $22.4bn

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

Alert

About each fund

ITOT

ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.

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, ITOT or XLY?: In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and XLY −3.6%.
Which is cheaper, ITOT or XLY?: ITOT is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do ITOT and XLY overlap with the S&P 500?: By their latest filed holdings, 88% of ITOT and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

ITOT vs XHB ITOT vs XRT ITOT vs XLU ITOT vs XLP VIG vs XLY SCHX vs XLY SPYM vs XLY IWB vs XLY

Where to next

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

Sources and dates

ITOT filings on SEC EDGAR ↗

ITOT prospectus with the expense ratio (SEC) ↗

iShares page for ITOT ↗

XLY filings on SEC EDGAR ↗

XLY prospectus with the expense ratio (SEC) ↗

State Street website ↗

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.

Cite this pageCitation, APA and Markdown

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

Open data →

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