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Data as of Oct 28, 2026.

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XLC vs XLU: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLC returned −10.4% to XLU's −3.0%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $22.1bn for State Street Communication Services Select Sector SPDR ETF and $23.9bn for State Street Utilities Select Sector SPDR ETF.

XLC on its own →XLU on its own →
At a glance
−10.4%
XLC total return, 1 year
−3.0%
XLU total return, 1 year
0.08%
XLC expense ratio
0.08%
XLU expense ratio

Pair scorecard

Both cost 0.08% a year; their one-year returns differ by 7.4 points; XLU is 1.1 times larger.

XLC vs XLU: Differences, Returns & Fees
MeasureXLCXLU
Return
Total return, 1 year−10.4%−3.0%
Drawdown
Below its high13.3%, high on Jan 30, 20269.1%, high on Feb 27, 2026
Benchmark
What it tracksCommunication Services Select Sector IndexUtilities Select Sector Index
Cost and size
Expense ratio0.08%0.08%
Net assets, as of Oct 27, 2026$22.1bn$23.9bn
Holdings
Holdings in common0%
Top ten holdings, share of the fund75.3%58.7%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, XLC and XLU hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLC XLU
Only in one fund ↓
Only in XLC
META PLATFORMS INC CLASS A 21.45%
ALPHABET INC CL A 12.27%
ALPHABET INC CL C 9.82%
WALT DISNEY CO 5.33%
TAKE TWO INTERACTIVE SOFTWRE 4.80%
COMCAST CORP CLASS A 4.48%
VERIZON COMMUNICATIONS INC 4.45%
APPLOVIN CORP CLASS A 4.34%
Only in XLU
NEXTERA ENERGY INC 12.76%
SOUTHERN CO 7.91%
DUKE ENERGY CORP 7.22%
CONSTELLATION ENERGY 6.33%
AMERICAN ELECTRIC POWER 5.26%
DOMINION ENERGY INC 4.26%
SEMPRA 4.12%
ENTERGY CORP 3.75%
Check overlap with more funds →

Side by side

XLC State Street Communication Services Select Sector SPDR ETF XLU State Street Utilities Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
Issuer State Street State Street
What it is Tracks an index of Communication services Tracks an index of Utilities
Total return, 1 year −10.4% −3.0%
Expense ratio 0.08% 0.08%
Already in the S&P 500 99.8% 99.7%
Holdings 23 32
Net assets, as of Oct 27, 2026 $22.1bn $23.9bn

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

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About each fund
XLC

XLC tracks an index of Communication services. Over the year to Oct 28, 2026 it returned −10.4% with distributions reinvested. 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 23 positions, with the top ten at 75.3%. It sat 13.3% below its high of Jan 30, 2026 on Oct 28, 2026.

XLU

XLU tracks an index of Utilities. Over the year to Oct 28, 2026 it returned −3.0% with distributions reinvested. 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 32 positions, with the top ten at 58.7%. It sat 9.1% below its high of Feb 27, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, XLC or XLU?
In the year to Oct 28, 2026, with distributions reinvested, XLC returned −10.4% and XLU −3.0%.
Which is cheaper, XLC or XLU?
Neither: XLC and XLU both charge 0.08% a year. Fees come from each fund's prospectus.
How much do XLC and XLU overlap with the S&P 500?
By their latest filed holdings, 100% of XLC and 100% of XLU by weight is stocks the S&P 500 already holds.
Other comparisons
VPU vs XLCXLC vs XLFFCOM vs XLCXLC vs XRTVOX vs XLUXLU vs XLVXLU vs XLYVHT vs XLU
Where to next
XLC on its own →XLU on its own →Hold both: look the portfolio through →Rankings →XLC dividend history →XLC holdings →XLU dividend history →XLU holdings →Standards and sources →
Sources and dates
XLC and XLU filings on SEC EDGAR ↗
XLC and XLU prospectus with the expense ratio (SEC) ↗
State Street website ↗

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.

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ETFIQ, XLC against XLU, data as of Oct 28, 2026. https://etfiq.com/compare/any/xlc-vs-xlu

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.