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

In the year to Sep 13, 2026, with distributions reinvested, MUB returned +0.1% and XLY returned −4.1%, so MUB returned more. One year is one year; the longer windows are in the table.

Which is cheaper, MUB or XLY?

MUB charges 0.05% a year and XLY charges 0.08%, so MUB is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

MUB vs XLY: how they differ

MUB and XLY hold 0% of their weight in the same names, and MUB returned more over the year.

iShares National Muni Bond ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, MUB and XLY hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in MUB	Only in XLY
HOUSTON TEX HIGHER ED FIN CORP 0.13%	AMAZON.COM INC 24.68%
DISTRICT COLUMBIA UNIV REV 0.10%	TESLA INC 17.84%
ECTOR CNTY TEX 0.08%	HOME DEPOT INC 5.31%
NEW ORLEANS LA 0.08%	MCDONALD S CORP 4.09%
PORT TACOMA WASH REV 0.08%	BOOKING HOLDINGS INC 3.52%
CONTRA COSTA CALIF CMNTY COLLE 0.06%	TJX COMPANIES INC 3.44%
LOS ANGELES CALIF 0.06%	STARBUCKS CORP 2.96%
LOS ANGELES CNTY CALIF 0.06%	LOWE S COS INC 2.88%

Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Sep 10, 2026.

MUB and XLY on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	MUB iShares National Muni Bond ETF	XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	National Muni Bond	Consumer discretionary
Total return, 1 year	+0.1%	−4.1%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−17.4 pts	−21.6 pts
Expense ratio	0.05%	0.08%
Holdings	5215	49

MUB in plain words

MUB is a bond fund tracking the National Muni Bond. Over the year to Sep 11, 2026 it returned +0.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.05% a year. It sat 3.6% below its high of Jul 6, 2026 on Sep 11, 2026.

XLY in plain words

XLY is an index equity fund tracking the Consumer discretionary. Over the year to Sep 11, 2026 it returned −4.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 49 positions, with the top ten at 68.7%. It sat 8.9% below its high of Jan 12, 2026 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, MUB or XLY?: In the year to Sep 13, 2026, with distributions reinvested, MUB returned +0.1% and XLY returned −4.1%, so MUB returned more. One year is one year; the longer windows are in the table.
Which is cheaper, MUB or XLY?: MUB charges 0.05% a year and XLY charges 0.08%, so MUB is cheaper. Fees come from each fund's prospectus.

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Where these figures came from

ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.

MUB against XLY, ETFIQ, data as of Sep 13, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, MUB against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/mub-vs-xly Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources