Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VOO vs XLY: how they differ
VOO and XLY hold 0% of their weight in the same names, and VOO returned more over the year.
Vanguard 500 Index Fund and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, VOO and XLY hold 0% of their money in the same securities at the same weight.
| Only in VOO | Only in XLY |
|---|---|
| NVIDIA Corp 7.53% | AMAZON.COM INC 24.68% |
| Apple Inc 6.61% | TESLA INC 17.84% |
| Microsoft Corp 4.31% | HOME DEPOT INC 5.31% |
| Amazon.com Inc 3.63% | MCDONALD S CORP 4.09% |
| Alphabet Inc 3.26% | BOOKING HOLDINGS INC 3.52% |
| Broadcom Inc 2.78% | TJX COMPANIES INC 3.44% |
| Alphabet Inc 2.60% | STARBUCKS CORP 2.96% |
| Micron Technology Inc 2.02% | 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 Jun 30, 2026 and Sep 10, 2026.
| VOO Vanguard 500 Index Fund | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | S&P 500 | Consumer discretionary |
| Total return, 1 year | +17.6% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +0.1 pts | −21.6 pts |
| Expense ratio | 0.03% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 506 | 49 |
VOO in plain words
VOO is an index equity fund tracking the S&P 500. Over the year to Sep 11, 2026 it returned +17.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 506 positions, with the top ten at 36.5%.
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, VOO or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, VOO returned +17.6% and XLY returned −4.1%, so VOO returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VOO or XLY?
- VOO charges 0.03% a year and XLY charges 0.08%, so VOO is cheaper. Fees come from each fund's prospectus.
- How much do VOO and XLY overlap with the S&P 500?
- By their latest filed holdings, 100% of VOO and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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.
Cite this page. ETFIQ, VOO against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/voo-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources