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

In the year to Oct 28, 2026, with distributions reinvested, IUSB returned −1.2% and XLY −3.6%.

Which is cheaper, IUSB or XLY?

IUSB 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 prospectus.

Data as of Oct 28, 2026.

Across categories

IUSB vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, IUSB returned −1.2% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $49.8bn for iShares Core Universal USD Bond ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

IUSB on its own →XLY on its own →

At a glance

−1.2%

IUSB total return, 1 year

−3.6%

XLY total return, 1 year

0.06%

IUSB expense ratio

0.08%

XLY expense ratio

Pair scorecard

IUSB costs 0.02 points a year less; their one-year returns differ by 2.4 points; IUSB is 2.2 times larger.

IUSB vs XLY: Differences, Returns & Fees
Measure	IUSB	XLY
Return
Measure	IUSB	XLY
Total return, 1 year	−1.2%	−3.6%
Drawdown
Measure	IUSB	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	IUSB	XLY
What it tracks	Bloomberg U.S. Universal Index	Consumer Discretionary Select Sector Index
Cost and size
Measure	IUSB	XLY
Expense ratio	0.06%	0.08%
Net assets, as of Oct 27, 2026	$49.8bn	$22.4bn
Holdings
Measure	IUSB	XLY
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		68.5%

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

What they share

By the books each fund has filed, IUSB and XLY hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first IUSB XLY

Only in one fund ↓

Only in IUSB

BLK Liquidity Temp Cash Inst #21 4.75%

TREASURY NOTE 0.49%

TREASURY NOTE 0.42%

TREASURY NOTE 0.41%

TREASURY NOTE 0.38%

TREASURY NOTE 0.37%

TREASURY NOTE (2OLD) 0.36%

UMBS 15YR TBA(REG B) 0.35%

Only in XLY

AMAZON.COM INC 22.43%

TESLA INC 19.15%

HOME DEPOT INC 5.30%

MCDONALD S CORP 4.31%

TJX COMPANIES INC 4.07%

STARBUCKS CORP 3.09%

BOOKING HOLDINGS INC 2.97%

LOWE S COS INC 2.92%

Check overlap with more funds →

Side by side

IUSB iShares Core Universal USD Bond ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of Universal USD Bond Tracks an index of Consumer discretionary

Total return, 1 year −1.2% −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 0.06% 0.08%

Holdings 18338 48

Net assets, as of Oct 27, 2026 $49.8bn $22.4bn

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

Alert

About each fund

IUSB

IUSB tracks an index of Universal USD Bond. Over the year to Oct 28, 2026 it returned −1.2% with distributions reinvested. The prospectus expense ratio is 0.06% a year.

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, IUSB or XLY?: In the year to Oct 28, 2026, with distributions reinvested, IUSB returned −1.2% and XLY −3.6%.
Which is cheaper, IUSB or XLY?: IUSB 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 prospectus.

Other comparisons

IUSB vs XHB IUSB vs XRT IUSB vs XLU IUSB vs XLP BOND vs XLY SGOV vs XLY TIP vs XLY VBIL vs XLY

Where to next

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

Sources and dates

IUSB filings on SEC EDGAR ↗

IUSB prospectus with the expense ratio (SEC) ↗

iShares page for IUSB ↗

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

Open data →

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