Data as of Oct 28, 2026.
LQD vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, LQD returned −3.4% to XLY's −3.6%; 0% of their weight is in the same names.
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Net assets on Oct 27, 2026: $30.6bn for iShares iBoxx $ Investment Grade Corporate Bond ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
XLY costs 0.06 points a year less; their one-year returns differ by 0.2 points; LQD is 1.4 times larger.
| Measure | LQD | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | −3.4% | −3.6% |
| Drawdown | ||
| Below its high | 6.3%, high on Sep 22, 2021 | 6.8%, high on Jan 12, 2026 |
| Benchmark | ||
| What it tracks | Markit iBoxx USD Liquid Investment Grade Index | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.14% | 0.08% |
| Net assets, as of Oct 27, 2026 | $30.6bn | $22.4bn |
| Holdings | ||
| 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, LQD and XLY hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
LQD and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
LQD
LQD tracks an index of US investment grade bonds. Over the year to Oct 28, 2026 it returned −3.4% with distributions reinvested, against −1.2% for its benchmark, the Bloomberg U.S. Universal Index. The prospectus expense ratio is 0.14% a year. It sat 6.3% below its high of Sep 22, 2021 on Oct 28, 2026.
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, LQD or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, LQD returned −3.4% and XLY −3.6%.
- Which is cheaper, LQD or XLY?
- XLY is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.
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, LQD against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/lqd-vs-xly
ETFIQ. (Oct 28, 2026). LQD against XLY. Retrieved from https://etfiq.com/compare/any/lqd-vs-xly
[LQD against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/lqd-vs-xly)
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