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

In the year to Sep 13, 2026, with distributions reinvested, TLT returned −6.4% and XLY returned −4.1%, so XLY returned more. One year is one year; the longer windows are in the table.

Which is cheaper, TLT or XLY?

TLT charges 0.15% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

TLT vs XLY: how they differ

TLT and XLY hold 0% of their weight in the same names, and XLY returned more over the year.

iShares 20+ Year Treasury Bond ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.

What they hold in common

By the books each fund has filed, TLT and XLY hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in TLT	Only in XLY
TREASURY BOND (2OLD) 4.16%	AMAZON.COM INC 24.68%
TREASURY BOND (OLD) 4.05%	TESLA INC 17.84%
TREASURY BOND (OTR) 1.03%	HOME DEPOT INC 5.31%
TREASURY BOND 0.02%	MCDONALD S CORP 4.09%
	BOOKING HOLDINGS INC 3.52%
	TJX COMPANIES INC 3.44%
	STARBUCKS CORP 2.96%
	LOWE S COS INC 2.88%

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.

TLT and XLY on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	TLT iShares 20+ Year Treasury Bond ETF	XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	20+ year Treasuries	Consumer discretionary
Total return, 1 year	−6.4%	−4.1%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−23.9 pts	−21.6 pts
Expense ratio	0.15%	0.08%
Holdings	41	49

TLT in plain words

TLT is a bond fund tracking the 20+ year Treasuries. Over the year to Sep 11, 2026 it returned −6.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.15% a year. It sat 42.9% below its high of Aug 4, 2020 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, TLT or XLY?: In the year to Sep 13, 2026, with distributions reinvested, TLT returned −6.4% and XLY returned −4.1%, so XLY returned more. One year is one year; the longer windows are in the table.
Which is cheaper, TLT or XLY?: TLT charges 0.15% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.

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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.

TLT against XLY, ETFIQ, data as of Sep 13, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, TLT against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/tlt-vs-xly Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources