Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLU vs XLY: how they differ
XLU and XLY hold 0% of their weight in the same names, and XLU returned more over the year.
State Street(R) Utilities 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, XLU and XLY hold 0% of their money in the same securities at the same weight.
| Holding | XLU | XLY |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.16% | 0.01% |
| Only in XLU | Only in XLY |
|---|---|
| NEXTERA ENERGY INC 13.01% | AMAZON.COM INC 24.68% |
| SOUTHERN CO/THE 7.49% | TESLA INC 17.84% |
| DUKE ENERGY CORP 7.04% | HOME DEPOT INC 5.31% |
| CONSTELLATION ENERGY 6.92% | MCDONALD S CORP 4.09% |
| AMERICAN ELECTRIC POWER 5.08% | BOOKING HOLDINGS INC 3.52% |
| DOMINION ENERGY INC 4.33% | TJX COMPANIES INC 3.44% |
| SEMPRA 4.16% | STARBUCKS CORP 2.96% |
| ENTERGY CORP 3.66% | 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.
| XLU State Street(R) Utilities 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 | Utilities | Consumer discretionary |
| Total return, 1 year | +2.4% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −15.1 pts | −21.6 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 32 | 49 |
XLU in plain words
XLU is an index equity fund tracking the Utilities. Over the year to Sep 11, 2026 it returned +2.4% 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 32 positions, with the top ten at 58.8%. It sat 10.0% below its high of Feb 27, 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, XLU or XLY?
- In the year to Sep 13, 2026, with distributions reinvested, XLU returned +2.4% and XLY returned −4.1%, so XLU returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLU or XLY?
- XLU charges 0.08% a year and XLY charges 0.08%, so XLU is cheaper. Fees come from each fund's prospectus.
- How much do XLU and XLY overlap with the S&P 500?
- By their latest filed holdings, 100% of XLU 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, XLU against XLY, data as of Sep 13, 2026. https://etfiq.com/compare/any/xlu-vs-xly Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources