Data as of Oct 28, 2026.
VCSH vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, VCSH returned +1.3% to XLY's −3.6%; 0% of their weight is in the same names.
askIQ about this page
askIQ about VCSH and XLY
Net assets: $43.9bn on Sep 30, 2026 for Vanguard Short-Term Corporate Bond ETF, and $22.4bn on Oct 27, 2026 for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
VCSH costs 0.05 points a year less; their one-year returns differ by 4.9 points; VCSH is 2.1 times larger.
| Measure | VCSH | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | +1.3% | −3.6% |
| Drawdown | ||
| Below its high | 6.8%, high on Jan 12, 2026 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. 1-5 Year Corporate Bond Index | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, as of Sep 30, 2026 | $43.9bn | $21.3bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 68.5% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, VCSH and XLY hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
VCSH and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VCSH
VCSH tracks an index of Short-Term Corporate Bond. Over the year to Oct 28, 2026 it returned +1.3% with distributions reinvested, against +1.3% for its benchmark, the Bloomberg U.S. 1-5 Year Corporate Bond Index. The prospectus expense ratio is 0.03% a year.
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, VCSH or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, VCSH returned +1.3% and XLY −3.6%.
- Which is cheaper, VCSH or XLY?
- VCSH is cheaper, by 0.05 percentage points a year. That is about $5 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, VCSH against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/vcsh-vs-xly
ETFIQ. (Oct 28, 2026). VCSH against XLY. Retrieved from https://etfiq.com/compare/any/vcsh-vs-xly
[VCSH against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vcsh-vs-xly)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.