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

In the year to Oct 28, 2026, with distributions reinvested, SLV returned +14.9% and XLY −3.6%.

Which is cheaper, SLV or XLY?

XLY is cheaper, by 0.42 percentage points a year. That is about $42 on $10,000 held for a year. Fees come from each fund's own filings.

Data as of Oct 28, 2026.

Across categories

SLV vs XLY: Differences, Returns & Fees

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SLV is a commodity fund and XLY an equity index fund, and over the year to Oct 28, 2026, SLV returned +14.9% against −3.6%.

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Net assets: $26.9bn on Oct 28, 2026 for iShares Silver Trust, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.

SLV on its own →XLY on its own →

At a glance

+14.9%

SLV total return, 1 year

−3.6%

XLY total return, 1 year

0.50%

SLV expense ratio

0.08%

XLY expense ratio

Pair scorecard

XLY costs 0.42 points a year less; their one-year returns differ by 18.5 points; SLV is 1.2 times larger.

SLV vs XLY: Differences, Returns & Fees
Measure	SLV	XLY
Return
Measure	SLV	XLY
Total return, 1 year	+14.9%	−3.6%
Drawdown
Measure	SLV	XLY
Below its high	53.5%, high on Jan 28, 2026	6.8%, high on Jan 12, 2026
Benchmark
Measure	SLV	XLY
What it tracks	Silver	Consumer Discretionary Select Sector Index
Cost and size
Measure	SLV	XLY
Expense ratio	0.50%	0.08%
Net assets, as of Oct 27, 2026	$26.5bn	$22.4bn
Holdings
Measure	SLV	XLY
Holdings in common	not published
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		68.5%

Method

Side by side

SLV iShares Silver Trust XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Commodity ETF Stock ETF

Issuer iShares State Street

What it is Holds silver Tracks an index of Consumer discretionary

Total return, 1 year +14.9% −3.6%

Its benchmark over the same days +15.0% (SIVR) +13.6% (SPY)

Gap to its benchmark −0.1 pts vs SIVR −17.2 pts vs SPY

Expense ratio 0.50% 0.08%

Holdings not counted 48

Net assets, SLV as of Oct 28, 2026 and XLY as of Oct 27, 2026 $26.9bn $22.4bn

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

Alert

About each fund

SLV

Its expense ratio is 0.50% a year, for the three months to Jun 30, 2026, as its 10-Q states.

SLV holds silver. Over the year to Oct 28, 2026 it returned +14.9% with distributions reinvested, against +15.0% for its benchmark, the price of silver. It sat 53.5% below its high of Jan 28, 2026 on Oct 28, 2026.

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, SLV or XLY?: In the year to Oct 28, 2026, with distributions reinvested, SLV returned +14.9% and XLY −3.6%.
Which is cheaper, SLV or XLY?: XLY is cheaper, by 0.42 percentage points a year. That is about $42 on $10,000 held for a year. Fees come from each fund's own filings.

Other comparisons

SLV vs XHB SLV vs XRT SLV vs XLP SLV vs XLV USO vs XLY GLDM vs XLY GLD vs XLY BWET vs XLY

Where to next

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

Sources and dates

iShares page for SLV ↗

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.

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

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