Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLF vs XLY: how they differ
XLF and XLY hold 0% of their weight in the same names, and XLF returned more over the year.
State Street(R) Financial 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, XLF and XLY hold 0% of their money in the same securities at the same weight.
| Holding | XLF | XLY |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.15% | 0.01% |
| Only in XLF | Only in XLY |
|---|---|
| JPMORGAN CHASE + CO 11.81% | AMAZON.COM INC 24.68% |
| BERKSHIRE HATHAWAY INC CL B 11.59% | TESLA INC 17.84% |
| VISA INC CLASS A SHARES 7.60% | HOME DEPOT INC 5.31% |
| MASTERCARD INC A 5.69% | MCDONALD S CORP 4.09% |
| BANK OF AMERICA CORP 5.09% | BOOKING HOLDINGS INC 3.52% |
| GOLDMAN SACHS GROUP INC 3.75% | TJX COMPANIES INC 3.44% |
| WELLS FARGO + CO 3.41% | STARBUCKS CORP 2.96% |
| MORGAN STANLEY 3.18% | 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.
| XLF State Street(R) Financial 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 | Financials | Consumer discretionary |
| Total return, 1 year | +7.6% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −9.9 pts | −21.6 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 79 | 49 |
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% 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 79 positions, with the top ten at 57.3%.
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, XLF or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, XLF returned +7.6% and XLY returned −4.1%, so XLF returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLF or XLY?
- XLF charges 0.08% a year and XLY charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do XLF and XLY overlap with the S&P 500?
- By their latest filed holdings, 100% of XLF 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, XLF against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/xlf-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources