Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLK vs XLY: how they differ
XLK and XLY hold 0% of their weight in the same names, and XLK returned more over the year.
State Street(R) Technology 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, XLK and XLY hold 0% of their money in the same securities at the same weight.
| Holding | XLK | XLY |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.05% | 0.01% |
| Only in XLK | Only in XLY |
|---|---|
| NVIDIA CORP 14.31% | AMAZON.COM INC 24.68% |
| APPLE INC 12.98% | TESLA INC 17.84% |
| MICROSOFT CORP 9.90% | HOME DEPOT INC 5.31% |
| BROADCOM INC 4.62% | MCDONALD S CORP 4.09% |
| ADVANCED MICRO DEVICES 4.23% | BOOKING HOLDINGS INC 3.52% |
| MICRON TECHNOLOGY INC 4.11% | TJX COMPANIES INC 3.44% |
| INTEL CORP 3.27% | STARBUCKS CORP 2.96% |
| CISCO SYSTEMS INC 2.80% | 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.
| XLK State Street(R) Technology 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 | Technology | Consumer discretionary |
| Total return, 1 year | +39.2% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +21.7 pts | −21.6 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 74 | 49 |
XLK in plain words
XLK is an index equity fund tracking the Technology. Over the year to Sep 11, 2026 it returned +39.2% 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 74 positions, with the top ten at 61.2%. It sat 5.2% below its high of Jun 2, 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, XLK or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, XLK returned +39.2% and XLY returned −4.1%, so XLK returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLK or XLY?
- XLK charges 0.08% a year and XLY charges 0.08%, so XLK is cheaper. Fees come from each fund's prospectus.
- How much do XLK and XLY overlap with the S&P 500?
- By their latest filed holdings, 100% of XLK 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, XLK against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/xlk-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources