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

In the year to Oct 28, 2026, with distributions reinvested, IVV returned +13.7% and XLY −3.6%.

Which is cheaper, IVV or XLY?

IVV 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 IVV and XLY overlap with the S&P 500?

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

Data as of Oct 28, 2026.

Across categories

IVV vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, IVV returned +13.7% to XLY's −3.6%; 9% of their weight is in the same names.

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Net assets on Oct 27, 2026: $885.1bn for iShares Core S&P 500 ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

IVV on its own →XLY on its own →

At a glance

+13.7%

IVV total return, 1 year

−3.6%

XLY total return, 1 year

0.03%

IVV expense ratio

0.08%

XLY expense ratio

Pair scorecard

IVV costs 0.05 points a year less; their one-year returns differ by 17.3 points; IVV is far larger, $885.1bn against $22.4bn.

IVV vs XLY: Differences, Returns & Fees
Measure	IVV	XLY
Return
Measure	IVV	XLY
Total return, 1 year	+13.7%	−3.6%
Drawdown
Measure	IVV	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	IVV	XLY
What it tracks	S&P 500	Consumer Discretionary Select Sector Index
Cost and size
Measure	IVV	XLY
Expense ratio	0.03%	0.08%
Net assets, as of Oct 27, 2026	$885.1bn	$22.4bn
Holdings
Measure	IVV	XLY
Holdings in common	9%
Top ten holdings, share of the fund	38.1%	68.5%

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

What they share

By the books each fund has filed, IVV and XLY hold 9% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

9% in common

Positions both hold · largest shared weight first IVV XLY

AMAZON.COM INC 3.73% 22.43%

TESLA INC 1.73% 19.15%

HOME DEPOT 0.48% 5.30%

MCDONALDS CORP 0.27% 4.31%

TJX 0.23% 4.07%

STARBUCKS CORP 0.18% 3.09%

BOOKING HOLDINGS 0.17% 2.97%

LOWES COMPANIES INC 0.17% 2.92%

MARRIOTT INTERNATIONAL CLASS A 0.12% 2.19%

HILTON WORLDWIDE HOLDINGS 0.12% 2.04%

ROSS STORES INC 0.11% 1.94%

ROYAL CARIBBEAN GROUP 0.11% 1.93%

Only in one fund ↓

Only in IVV

NVIDIA 7.92%

APPLE 7.61%

MICROSOFT 5.93%

ALPHABET CLASS A 2.83%

BROADCOM INC 2.45%

ALPHABET CLASS C 2.26%

META PLATFORMS CLASS A 2.05%

MICRON TECHNOLOGY 1.57%

Only in XLY

XAY CONS DISCRET DEC26 0.00%

Check overlap with more funds →

Side by side

IVV iShares Core S&P 500 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 500 Tracks an index of Consumer discretionary

Total return, 1 year +13.7% −3.6%

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

Gap to its benchmark +0.1 pts vs SPY −17.2 pts vs SPY

Expense ratio 0.03% 0.08%

Already in the S&P 500 99.8% 99.9%

Holdings 505 48

Net assets, as of Oct 27, 2026 $885.1bn $22.4bn

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

Alert

About each fund

IVV

IVV tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.7% with distributions reinvested, against +13.6% for its benchmark, the S&P 500. The prospectus expense ratio is 0.03% 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 505 positions, with the top ten at 38.1%.

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, IVV or XLY?: In the year to Oct 28, 2026, with distributions reinvested, IVV returned +13.7% and XLY −3.6%.
Which is cheaper, IVV or XLY?: IVV 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 IVV and XLY overlap with the S&P 500?: By their latest filed holdings, 100% of IVV and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

IVV vs XHB IVV vs XRT IVV vs XLU IVV vs XLP SPY vs XLY VOO vs XLY VTI vs XLY RDVY vs XLY

Where to next

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

Sources and dates

IVV filings on SEC EDGAR ↗

IVV prospectus with the expense ratio (SEC) ↗

iShares page for IVV ↗

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

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