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Data as of Oct 28, 2026.

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USO vs XLY: Differences, Returns & Fees

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USO is a commodity futures fund and XLY an equity index fund, and over the year to Oct 28, 2026, USO returned +133.3% against −3.6%.

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Net assets: $1.9bn on Oct 28, 2026 for United States Oil Fund, LP, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.

USO on its own →XLY on its own →
At a glance
+133.3%
USO total return, 1 year
−3.6%
XLY total return, 1 year
0.86%
USO expense ratio
0.08%
XLY expense ratio

Pair scorecard

XLY costs 0.78 points a year less; their one-year returns differ by 136.9 points; XLY is 11.8 times larger.

USO vs XLY: Differences, Returns & Fees
MeasureUSOXLY
Return
Total return, 1 year+133.3%−3.6%
Drawdown
Below its high82.3%, high on Jul 14, 20086.8%, high on Jan 12, 2026
Benchmark
What it tracksOil futuresConsumer Discretionary Select Sector Index
Cost and size
Expense ratio0.86%0.08%
Net assets, as of Oct 27, 2026$1.9bn$22.4bn
Holdings
Holdings in commonnot published
In the S&P 500, by weight100%
Top ten holdings, share of the fund68.5%

Method

Side by side

USO United States Oil Fund, LP XLY State Street Consumer Discretionary Select Sector SPDR ETF
Where it sits Commodity ETF Stock ETF
Issuer USCF State Street
What it is Holds oil futures Tracks an index of Consumer discretionary
Total return, 1 year +133.3% −3.6%
Its benchmark over the same days not measured +13.6% (SPY)
Gap to its benchmark not measured −17.2 pts vs SPY
Expense ratio 0.86% 0.08%
Holdings not counted 48
Net assets, USO as of Oct 28, 2026 and XLY as of Oct 27, 2026 $1.9bn $22.4bn

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

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About each fund
USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 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, USO or XLY?
In the year to Oct 28, 2026, with distributions reinvested, USO returned +133.3% and XLY −3.6%.
Which is cheaper, USO or XLY?
XLY is cheaper, by 0.78 percentage points a year. That is about $78 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
USO vs XHBUSO vs XRTUSO vs XLVUSO vs XLREBWET vs XLYGLDM vs XLYIAU vs XLYGLD vs XLY
Where to next
USO 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
USCF website ↗
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, USO against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/uso-vs-xly

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