Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VT vs XLY: how they differ
VT and XLY hold 0% of their weight in the same names, and VT returned more over the year.
Vanguard Total World Stock 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, VT and XLY hold 0% of their money in the same securities at the same weight.
| Only in VT | Only in XLY |
|---|---|
| NVIDIA Corp 4.22% | AMAZON.COM INC 24.68% |
| Apple Inc 3.53% | TESLA INC 17.84% |
| Microsoft Corp 2.73% | HOME DEPOT INC 5.31% |
| Amazon.com Inc 2.29% | MCDONALD S CORP 4.09% |
| Alphabet Inc 2.04% | BOOKING HOLDINGS INC 3.52% |
| Broadcom Inc 1.74% | TJX COMPANIES INC 3.44% |
| Alphabet Inc 1.61% | STARBUCKS CORP 2.96% |
| Taiwan Semiconductor Manufacturing Co Lt 1.52% | 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 Apr 30, 2026 and Sep 10, 2026.
| VT Vanguard Total World Stock 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 | Total World Stock | Consumer discretionary |
| Total return, 1 year | +18.9% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +1.4 pts | −21.6 pts |
| Expense ratio | 0.06% | 0.08% |
| Already in the S&P 500 | 55.2% | 100.0% |
| Holdings | 10042 | 49 |
VT in plain words
VT is an index equity fund tracking the Total World Stock. Over the year to Sep 11, 2026 it returned +18.9% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.06% a year. By its holdings filed for Apr 30, 2026, 55% of the fund by weight is stocks the S&P 500 also holds, across 10042 positions, with the top ten at 21.9%.
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, VT or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, VT returned +18.9% and XLY returned −4.1%, so VT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VT or XLY?
- VT charges 0.06% a year and XLY charges 0.08%, so VT is cheaper. Fees come from each fund's prospectus.
- How much do VT and XLY overlap with the S&P 500?
- By their latest filed holdings, 55% of VT 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, VT against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/vt-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources