Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLC vs XLY: how they differ
XLC and XLY hold 0% of their weight in the same names, and XLC returned more over the year.
State Street(R) Communication Services Select Sector SPDR(R) ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, XLC and XLY hold 0% of their money in the same securities at the same weight.
| Holding | XLC | XLY |
|---|---|---|
| US DOLLAR | 0.02% | 0.02% |
| SSI US GOV MONEY MARKET CLASS | 0.16% | 0.01% |
| Only in XLC | Only in XLY |
|---|---|
| META PLATFORMS INC CLASS A 18.92% | AMAZON.COM INC 24.68% |
| ALPHABET INC CL A 10.12% | TESLA INC 17.84% |
| ALPHABET INC CL C 8.10% | HOME DEPOT INC 5.31% |
| AT+T INC 5.19% | MCDONALD S CORP 4.09% |
| VERIZON COMMUNICATIONS INC 5.03% | BOOKING HOLDINGS INC 3.52% |
| WALT DISNEY CO/THE 4.76% | TJX COMPANIES INC 3.44% |
| WARNER BROS DISCOVERY INC 4.61% | STARBUCKS CORP 2.96% |
| COMCAST CORP CLASS A 4.61% | 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 Sep 10, 2026.
| XLC State Street(R) Communication Services Select Sector SPDR(R) ETF | XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | Communication services | Consumer discretionary |
| Total return, 1 year | −2.0% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −19.5 pts | −21.6 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 26 | 49 |
XLC in plain words
XLC is an index equity fund tracking the Communication services. Over the year to Sep 11, 2026 it returned −2.0% 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 26 positions, with the top ten at 70.4%. It sat 5.7% below its high of Jan 30, 2026 on Sep 11, 2026.
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. 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, XLC or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, XLC returned −2.0% and XLY returned −4.1%, so XLC returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLC or XLY?
- XLC charges 0.08% a year and XLY charges 0.08%, so XLC is cheaper. Fees come from each fund's prospectus.
- How much do XLC and XLY overlap with the S&P 500?
- By their latest filed holdings, 100% of XLC 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.
Other comparisons
Where to next
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, XLC against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/xlc-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources