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Data as of Oct 28, 2026.

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JNK vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, JNK returned +1.7% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $5.9bn for State Street SPDR Bloomberg High Yield Bond ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

JNK on its own →XLY on its own →
At a glance
+1.7%
JNK total return, 1 year
−3.6%
XLY total return, 1 year
0.40%
JNK expense ratio
0.08%
XLY expense ratio

Pair scorecard

XLY costs 0.32 points a year less; their one-year returns differ by 5.3 points; XLY is 3.8 times larger.

JNK vs XLY: Differences, Returns & Fees
MeasureJNKXLY
Return
Total return, 1 year+1.7%−3.6%
Drawdown
Below its high6.8%, high on Jan 12, 2026
Benchmark
What it tracksBloomberg High Yield Very Liquid IndexConsumer Discretionary Select Sector Index
Cost and size
Expense ratio0.40%0.08%
Net assets, as of Oct 27, 2026$5.9bn$22.4bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund68.5%

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

What they share

0%

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

0 half 100%

half

0% in common

Positions both hold · largest shared weight first JNK XLY
Only in one fund ↓
Only in JNK
1261229 BC LTD SR SECURED 144A 04/32 10 0.65%
MERIDIAN ARC HOLDCO LLC SR SECURED 144A 04/31 6.25 0.53%
QUIKRETE HOLDINGS INC SR SECURED 144A 03/32 6.375 0.46%
ECHOSTAR CORP SR SECURED 11/29 10.75 0.45%
SOFTBANK GROUP CORP SR UNSECURED 144A 04/32 9.25 0.44%
SOFTBANK GROUP CORP SR UNSECURED 144A 04/34 9.75 0.43%
PR RNO PROPERTY OWNER 1 SR SECURED 144A 05/31 6.5 0.42%
VENTURE GLOBAL LNG INC SR SECURED 144A 02/29 9.5 0.42%
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

JNK State Street SPDR Bloomberg High Yield Bond ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF
Where it sits Bond ETF Stock ETF
Issuer State Street State Street
What it is Tracks the Bloomberg High Yield Bond Tracks an index of Consumer discretionary
Total return, 1 year +1.7% −3.6%
Its benchmark over the same days −1.4% (AGG) +13.6% (SPY)
Gap to its benchmark +3.1 pts vs AGG −17.2 pts vs SPY
Expense ratio 0.40% 0.08%
Holdings 1142 48
Net assets, as of Oct 27, 2026 $5.9bn $22.4bn

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

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About each fund
JNK

JNK tracks the Bloomberg High Yield Bond. Over the year to Oct 28, 2026 it returned +1.7% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.40% 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, JNK or XLY?
In the year to Oct 28, 2026, with distributions reinvested, JNK returned +1.7% and XLY −3.6%.
Which is cheaper, JNK or XLY?
XLY is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
JNK vs XHBJNK vs XRTJNK vs XLVJNK vs VOXUSHY vs XLYHYG vs XLYVCLT vs XLYVUSB vs XLY
Where to next
JNK on its own →XLY on its own →Hold both: look the portfolio through →Rankings →JNK dividend history →JNK holdings →XLY dividend history →XLY holdings →Standards and sources →
Sources and dates
JNK filings on SEC EDGAR ↗
JNK prospectus with the expense ratio (SEC) ↗
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.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

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

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