Data as of Oct 28, 2026.
TLT vs XLC: Differences, Returns & Fees
Over the year to Oct 28, 2026, TLT returned −7.9% to XLC's −10.4%; 0% of their weight is in the same names.
askIQ about this page
askIQ about TLT and XLC
Net assets on Oct 27, 2026: $47.4bn for iShares 20+ Year Treasury Bond ETF and $22.1bn for State Street Communication Services Select Sector SPDR ETF.
Pair scorecard
XLC costs 0.07 points a year less; their one-year returns differ by 2.5 points; TLT is 2.1 times larger.
| Measure | TLT | XLC |
|---|---|---|
| Return | ||
| Total return, 1 year | −7.9% | −10.4% |
| Drawdown | ||
| Below its high | 42.6%, high on Aug 4, 2020 | 13.3%, high on Jan 30, 2026 |
| Benchmark | ||
| What it tracks | ICE U.S. Treasury 20+ Year Bond Index | Communication Services Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.15% | 0.08% |
| Net assets, as of Oct 27, 2026 | $47.4bn | $22.1bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 75.3% | |
Holdings in common uses holdings dated Oct 27, 2026. Method
What they share
By the books each fund has filed, TLT and XLC hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
TLT and XLC on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
TLT
TLT tracks an index of 20+ year Treasuries. Over the year to Oct 28, 2026 it returned −7.9% with distributions reinvested, against −7.8% for its benchmark, the ICE U.S. Treasury 20+ Year Bond Index. The prospectus expense ratio is 0.15% a year. It sat 42.6% below its high of Aug 4, 2020 on Oct 28, 2026.
XLC
XLC tracks an index of Communication services. Over the year to Oct 28, 2026 it returned −10.4% with distributions reinvested. 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 23 positions, with the top ten at 75.3%. It sat 13.3% below its high of Jan 30, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, TLT or XLC?
- In the year to Oct 28, 2026, with distributions reinvested, TLT returned −7.9% and XLC −10.4%.
- Which is cheaper, TLT or XLC?
- XLC is cheaper, by 0.07 percentage points a year. That is about $7 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.
Cite this pageCitation, APA and Markdown
ETFIQ, TLT against XLC, data as of Oct 28, 2026. https://etfiq.com/compare/any/tlt-vs-xlc
ETFIQ. (Oct 28, 2026). TLT against XLC. Retrieved from https://etfiq.com/compare/any/tlt-vs-xlc
[TLT against XLC (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/tlt-vs-xlc)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.