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

In the year to Oct 28, 2026, with distributions reinvested, MBB returned −0.8% and XLY −3.6%.

Which is cheaper, MBB or XLY?

MBB is cheaper, by 0.04 percentage points a year. That is about $4 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

MBB vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, MBB returned −0.8% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets: $35.5bn on Oct 28, 2026 for iShares MBS ETF, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.

MBB on its own →XLY on its own →

At a glance

−0.8%

MBB total return, 1 year

−3.6%

XLY total return, 1 year

0.04%

MBB expense ratio

0.08%

XLY expense ratio

Pair scorecard

MBB costs 0.04 points a year less; their one-year returns differ by 2.8 points; MBB is 1.6 times larger.

MBB vs XLY: Differences, Returns & Fees
Measure	MBB	XLY
Return
Measure	MBB	XLY
Total return, 1 year	−0.8%	−3.6%
Drawdown
Measure	MBB	XLY
Below its high		6.8%, high on Jan 12, 2026
Benchmark
Measure	MBB	XLY
What it tracks	Bloomberg U.S. MBS Index	Consumer Discretionary Select Sector Index
Cost and size
Measure	MBB	XLY
Expense ratio	0.04%	0.08%
Net assets, as of Oct 26, 2026	$35.6bn	$22.1bn
Holdings
Measure	MBB	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, MBB 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 MBB XLY

Only in one fund ↓

Only in MBB

BLACKROCK CASH CL INST SL AGENCY 5.45%

FHLMC 30YR UMBS SUPER 1.05%

UMBS 30YR TBA(REG A) 0.60%

GNMA2 30YR 0.59%

GNMA2 30YR 0.54%

FNMA 30YR UMBS 0.53%

GNMA2 30YR 0.53%

GNMA2 30YR 0.52%

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

MBB iShares MBS 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 mortgage-backed securities Tracks an index of Consumer discretionary

Total return, 1 year −0.8% −3.6%

Its benchmark over the same days −1.1% (SPMB) +13.6% (SPY)

Gap to its benchmark +0.3 pts vs SPMB −17.2 pts vs SPY

Expense ratio 0.04% 0.08%

Holdings 10813 48

Net assets, MBB as of Oct 28, 2026 and XLY as of Oct 27, 2026 $35.5bn $22.4bn

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

Alert

About each fund

MBB

MBB tracks an index of mortgage-backed securities. Over the year to Oct 28, 2026 it returned −0.8% with distributions reinvested, against −1.1% for its benchmark, the Bloomberg U.S. MBS Index. The prospectus expense ratio is 0.04% 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, MBB or XLY?: In the year to Oct 28, 2026, with distributions reinvested, MBB returned −0.8% and XLY −3.6%.
Which is cheaper, MBB or XLY?: MBB is cheaper, by 0.04 percentage points a year. That is about $4 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

MBB vs XHB MBB vs XRT MBB vs XLU MBB vs XLP TLT vs XLY PULS vs XLY USFR vs XLY SCHP vs XLY

Where to next

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

Sources and dates

MBB filings on SEC EDGAR ↗

MBB prospectus with the expense ratio (SEC) ↗

iShares page for MBB ↗

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

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