Data as of Oct 28, 2026.
SCHB vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHB returned +13.4% to XLY's −3.6%; 8% of their weight is in the same names.
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Net assets: $44.6bn on Aug 31, 2026 for Schwab U.S. Broad Market ETF, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
SCHB costs 0.05 points a year less; their one-year returns differ by 17.0 points.
| Measure | SCHB | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.4% | −3.6% |
| Drawdown | ||
| Below its high | 6.8%, high on Jan 12, 2026 | |
| Benchmark | ||
| What it tracks | Dow Jones U.S. Broad Stock Market Index | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, SCHB as of Aug 31, 2026 and XLY as of Oct 27, 2026 | $44.6bn | $22.4bn |
| Holdings | ||
| Holdings in common | 8% | |
| Top ten holdings, share of the fund | 33.7% | 68.5% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
Risk and return
Nov 13, 2009 to Oct 23, 2026 · 884 weekly returnsXLY returned slightly more: +859.1% to +807.9%. SCHB swung less: 16.5% to 19.6%. SCHB fell less at its worst: −33.3% to −38.3%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SCHB | XLY | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +807.9% | +859.1% | XLY (slight) | Price change plus distributions, reinvested. |
| Annualized | +13.9% | +14.2% | XLY (slight) | Total return as a yearly rate. |
| Price return | +582.0% | +679.5% | XLY | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 16.5% | 19.6% | SCHB | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 11.4% | 13.2% | SCHB | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −33.3% | −38.3% | SCHB | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.78 | 0.70 | SCHB | Return above Treasury bills per unit of volatility. |
| Sortino | 1.13 | 1.04 | SCHB (slight) | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.42 | 0.37 | SCHB | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 884 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHB and XLY hold 8% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.
half
8% in common
Only in one fund ↓
Side by side
SCHB and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHB and XLY do different jobs. What does each one do in a portfolio?
- What each follows. SCHB follows Dow Jones U.S. Broad Stock Market Index and XLY follows Consumer Discretionary Select Sector Index.
- Holdings in common. 8% of the weight is in the same securities (holdings dated Aug 31, 2026 and Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 SCHB returned +13.4% and XLY −3.6% with distributions reinvested, a gap of 17.0 points.
Data as of Oct 28, 2026.
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SCHB
SCHB tracks an index of US broad market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,372 positions, with the top ten at 33.7%.
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, SCHB or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, SCHB returned +13.4% and XLY −3.6%.
- Which is cheaper, SCHB or XLY?
- SCHB 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.
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, SCHB against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/schb-vs-xly
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[SCHB against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schb-vs-xly)
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