Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
SDY vs XLC: how they differ
SDY and XLC hold 3% of their weight in the same names, and SDY returned more over the year.
State Street(R) SPDR(R) S&P(R) Dividend ETF and State Street(R) Communication Services Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SDY and XLC hold 3% of their money in the same securities at the same weight.
| Holding | SDY | XLC |
|---|---|---|
| VERIZON COMMUNICATIONS INC | 3.33% | 5.03% |
| SSI US GOV MONEY MARKET CLASS | 0.12% | 0.16% |
| Only in SDY | Only in XLC |
|---|---|
| ACCENTURE PLC CL A 2.94% | META PLATFORMS INC CLASS A 18.92% |
| REALTY INCOME CORP 2.12% | ALPHABET INC CL A 10.12% |
| CHEVRON CORP 2.09% | ALPHABET INC CL C 8.10% |
| PEPSICO INC 1.95% | AT+T INC 5.19% |
| MEDTRONIC PLC 1.82% | WALT DISNEY CO/THE 4.76% |
| TARGET CORP 1.74% | WARNER BROS DISCOVERY INC 4.61% |
| NIKE INC CL B 1.53% | COMCAST CORP CLASS A 4.61% |
| KENVUE INC 1.48% | NETFLIX INC 4.57% |
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.
| SDY State Street(R) SPDR(R) S&P(R) Dividend ETF | XLC State Street(R) Communication Services Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR S&P Dividend | Communication services |
| Total return, 1 year | +11.0% | −2.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −6.5 pts | −19.5 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 84.6% | 100.0% |
| Holdings | 157 | 26 |
SDY in plain words
SDY is an index equity fund tracking the SPDR S&P Dividend. Over the year to Sep 11, 2026 it returned +11.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Sep 10, 2026, 85% of the fund by weight is stocks the S&P 500 also holds, across 157 positions, with the top ten at 20.5%. It sat 3.9% below its high of Aug 24, 2026 on Sep 11, 2026.
XLC in plain words
XLC is an index equity fund tracking the Communication services. Over the year to Sep 11, 2026 it returned −2.0% 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 26 positions, with the top ten at 70.4%. It sat 5.7% below its high of Jan 30, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, SDY or XLC?
- In the year to Sep 13, 2026, with distributions reinvested, SDY returned +11.0% and XLC returned −2.0%, so SDY returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SDY or XLC?
- SDY charges 0.35% a year and XLC charges 0.08%, so XLC is cheaper. Fees come from each fund's prospectus.
- How much do SDY and XLC overlap with the S&P 500?
- By their latest filed holdings, 85% of SDY and 100% of XLC by weight is stocks the S&P 500 already holds. Between the two funds, 3% of their books are the same securities at the same weight.
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Where these figures came from
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Cite this page. ETFIQ, SDY against XLC, data as of Sep 13, 2026. https://etfiq.com/compare/any/sdy-vs-xlc Free to use with attribution; the underlying files are at Open data.
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