Which returned more over the last year, XLRE or XLY?

In the year to Oct 28, 2026, with distributions reinvested, XLRE returned +4.3% and XLY −3.6%.

Which is cheaper, XLRE or XLY?

Neither: XLRE and XLY both charge 0.08% a year. Fees come from each fund's prospectus.

How much do XLRE and XLY overlap with the S&P 500?

By their latest filed holdings, 100% of XLRE and 100% of XLY by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

XLRE vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLRE returned +4.3% to XLY's −3.6%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $8.0bn for State Street Real Estate Select Sector SPDR ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

XLRE on its own →XLY on its own →

At a glance

+4.3%

XLRE total return, 1 year

−3.6%

XLY total return, 1 year

0.08%

XLRE expense ratio

0.08%

XLY expense ratio

Pair scorecard

Both cost 0.08% a year; their one-year returns differ by 7.9 points; XLY is 2.8 times larger.

Points (pts) are percentage points.

XLRE vs XLY: Differences, Returns & Fees
Measure	XLRE	XLY
Return
Measure	XLRE	XLY
Total return, 1 year	+4.3%	−3.6%
Drawdown
Measure	XLRE	XLY
Below its high	7.7%, high on Jul 28, 2026	6.8%, high on Jan 12, 2026
Benchmark
Measure	XLRE	XLY
What it tracks	Real Estate Select Sector Index	Consumer Discretionary Select Sector Index
Cost and size
Measure	XLRE	XLY
Expense ratio	0.08%	0.08%
Net assets, as of Oct 27, 2026	$8.0bn	$22.4bn
Holdings
Measure	XLRE	XLY
Holdings in common	0%
Top ten holdings, share of the fund	58.9%	68.5%

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

Risk and return

Oct 16, 2015 to Oct 23, 2026 · 575 weekly returns

XLRE XLY

Return

Total return edge XLY +102.9% +225.1%

Annualized edge XLY +6.6% +11.3%

Price return edge XLY +38.9% +188.9%

Risk

Volatility edge XLRE (slight) 20.8% 21.3%

Max drawdown edge XLRE (slight) −35.2% −38.3%

Risk-adjusted

Sharpe edge XLY 0.30 0.50

Sortino edge XLY 0.44 0.74

Calmar edge XLY 0.19 0.29

Reading

XLY returned more: +225.1% to +102.9%. XLRE swung slightly less: 20.8% to 21.3%. XLRE fell slightly less at its worst: −35.2% to −38.3%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: XLRE vs XLY: Differences, Returns & Fees
Measure	XLRE	XLY	Edge	How it is measured
Return
Total return	+102.9%	+225.1%	XLY	Price change plus distributions, reinvested.
Annualized	+6.6%	+11.3%	XLY	Total return as a yearly rate.
Price return	+38.9%	+188.9%	XLY	Price change alone, distributions left out.
Risk
Volatility	20.8%	21.3%	XLRE (slight)	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	14.3%	14.4%	Tie	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−35.2%	−38.3%	XLRE (slight)	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.30	0.50	XLY	Return above Treasury bills per unit of volatility.
Sortino	0.44	0.74	XLY	Return above Treasury bills per unit of downside deviation.
Calmar	0.19	0.29	XLY	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 575 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLRE XLY

Only in one fund ↓

Only in XLRE

WELLTOWER INC 11.14%

PROLOGIS INC 8.19%

EQUINIX INC 6.72%

AMERICAN TOWER CORP 5.84%

PUBLIC STORAGE 4.87%

SIMON PROPERTY GROUP INC 4.76%

VIVMARK RESIDENTIAL 4.42%

DIGITAL REALTY TRUST INC 4.34%

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

XLRE State Street Real Estate 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 Real estate Tracks an index of Consumer discretionary

Total return, 1 year +4.3% −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 99.5% 99.9%

Holdings 31 48

Net assets, as of Oct 27, 2026 $8.0bn $22.4bn

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

Client brief · page 1 of 2 Report BR-1965046784

XLRE and XLY do different jobs. What does each one do in a portfolio?

What each follows. XLRE follows Real Estate Select Sector Index and XLY follows Consumer Discretionary Select Sector Index.
Holdings in common. 0% of the weight is in the same securities (holdings dated Oct 27, 2026).
One-year total return. Over 1 year to Oct 28, 2026 XLRE returned +4.3% and XLY −3.6% with distributions reinvested, a gap of 7.9 points.

Data as of Oct 28, 2026.

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About each fund

XLRE

XLRE tracks an index of Real estate. Over the year to Oct 28, 2026 it returned +4.3% 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 31 positions, with the top ten at 58.9%. It sat 7.7% below its high of Jul 28, 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, XLRE or XLY?: In the year to Oct 28, 2026, with distributions reinvested, XLRE returned +4.3% and XLY −3.6%.
Which is cheaper, XLRE or XLY?: Neither: XLRE and XLY both charge 0.08% a year. Fees come from each fund's prospectus.
How much do XLRE and XLY overlap with the S&P 500?: By their latest filed holdings, 100% of XLRE and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

XHB vs XLRE XLRE vs XRT XLC vs XLRE XLRE vs XLU SCHH vs XLY IYR vs XLY VNQ vs XLY FDIS vs XLY

Where to next

XLRE on its own →XLY on its own →Hold both: look the portfolio through →Rankings →XLRE dividend history →XLRE holdings →XLY dividend history →XLY holdings →Standards and sources →

Sources and dates

XLRE and XLY filings on SEC EDGAR ↗

XLRE 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.

Cite this pageCitation, APA and Markdown

ETFIQ, XLRE against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/xlre-vs-xly

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