Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
SDY vs XLY: how they differ
SDY and XLY hold 4% 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) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SDY and XLY hold 4% of their money in the same securities at the same weight.
| Holding | SDY | XLY |
|---|---|---|
| MCDONALD S CORP | 1.17% | 4.09% |
| NIKE INC CL B | 1.53% | 1.15% |
| LOWE S COS INC | 0.96% | 2.88% |
| GENUINE PARTS CO | 0.78% | 0.48% |
| BEST BUY CO INC | 0.65% | 0.45% |
| SSI US GOV MONEY MARKET CLASS | 0.12% | 0.01% |
| Only in SDY | Only in XLY |
|---|---|
| VERIZON COMMUNICATIONS INC 3.33% | AMAZON.COM INC 24.68% |
| ACCENTURE PLC CL A 2.94% | TESLA INC 17.84% |
| REALTY INCOME CORP 2.12% | HOME DEPOT INC 5.31% |
| CHEVRON CORP 2.09% | BOOKING HOLDINGS INC 3.52% |
| PEPSICO INC 1.95% | TJX COMPANIES INC 3.44% |
| MEDTRONIC PLC 1.82% | STARBUCKS CORP 2.96% |
| TARGET CORP 1.74% | GENERAL MOTORS CO 2.03% |
| KENVUE INC 1.48% | DOORDASH INC A 1.99% |
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 | XLY State Street(R) Consumer Discretionary 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 | Consumer discretionary |
| Total return, 1 year | +11.0% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −6.5 pts | −21.6 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 84.6% | 100.0% |
| Holdings | 157 | 49 |
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.
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, SDY or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, SDY returned +11.0% and XLY returned −4.1%, so SDY returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SDY or XLY?
- SDY charges 0.35% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.
- How much do SDY and XLY overlap with the S&P 500?
- By their latest filed holdings, 85% of SDY and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 4% of their books are the same securities at the same weight.
Other comparisons
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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.
Cite this page. ETFIQ, SDY against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/sdy-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources