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Data as of Oct 28, 2026.

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XLF vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLF returned +7.6% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $51.6bn for State Street Financial Select Sector SPDR ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

XLF on its own →XLY on its own →
At a glance
+7.6%
XLF total return, 1 year
−3.6%
XLY total return, 1 year
0.08%
XLF expense ratio
0.08%
XLY expense ratio

Pair scorecard

Both cost 0.08% a year; their one-year returns differ by 11.2 points; XLF is 2.3 times larger.

Points (pts) are percentage points.

XLF vs XLY: Differences, Returns & Fees
MeasureXLFXLY
Return
Total return, 1 year+7.6%−3.6%
Drawdown
Below its high3.8%, high on Sep 3, 20266.8%, high on Jan 12, 2026
Benchmark
What it tracksFinancial Select Sector IndexConsumer Discretionary Select Sector Index
Cost and size
Expense ratio0.08%0.08%
Net assets, as of Oct 27, 2026$51.6bn$22.4bn
Holdings
Holdings in common0%
Top ten holdings, share of the fund57.4%68.5%

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

What they share

0%

By the books each fund has filed, XLF and XLY 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 XLF XLY
Only in one fund ↓
Only in XLF
BERKSHIRE HATHAWAY INC CL B 12.84%
JPMORGAN CHASE + CO 11.33%
VISA INC CLASS A SHARES 8.69%
MASTERCARD INC A 6.26%
BANK OF AMERICA CORP 4.18%
GOLDMAN SACHS GROUP INC 3.37%
WELLS FARGO + CO 3.17%
MORGAN STANLEY 2.83%
Only in XLY
AMAZON.COM INC 22.43%
TESLA INC 19.15%
HOME DEPOT INC 5.30%
MCDONALD S CORP 4.31%
TJX COMPANIES INC 4.07%
STARBUCKS CORP 3.09%
BOOKING HOLDINGS INC 2.97%
LOWE S COS INC 2.92%
Check overlap with more funds →

Side by side

XLF State Street Financial Select Sector SPDR ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
Issuer State Street State Street
What it is Tracks an index of Financials Tracks an index of Consumer discretionary
Total return, 1 year +7.6% −3.6%
Its benchmark over the same days not measured +13.6% (SPY)
Gap to its benchmark not measured −17.2 pts vs SPY
Expense ratio 0.08% 0.08%
Already in the S&P 500 99.8% 99.9%
Holdings 77 48
Net assets, as of Oct 27, 2026 $51.6bn $22.4bn

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

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About each fund
XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% 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 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.

XLY

XLY tracks an index of Consumer discretionary. Over the year to Oct 28, 2026 it returned −3.6% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. 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 48 positions, with the top ten at 68.5%. It sat 6.8% below its high of Jan 12, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, XLF or XLY?
In the year to Oct 28, 2026, with distributions reinvested, XLF returned +7.6% and XLY −3.6%.
Which is cheaper, XLF or XLY?
Neither: XLF and XLY both charge 0.08% a year. 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.
Other comparisons
XHB vs XLFXLF vs XRTXLF vs XLVVDE vs XLFKRE vs XLYXLV vs XLYVNQ vs XLYXLI vs XLY
Where to next
XLF on its own →XLY on its own →Hold both: look the portfolio through →Rankings →XLF dividend history →XLF holdings →XLY dividend history →XLY holdings →Standards and sources →
Sources and dates
XLF and XLY filings on SEC EDGAR ↗
XLF and XLY 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, XLF against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/xlf-vs-xly

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