Data as of Oct 28, 2026.
XLY vs XRT: Differences, Returns & Fees
Over the year to Oct 28, 2026, XLY returned −3.6% to XRT's +2.4%; 11% of their weight is in the same names.
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Net assets on Oct 27, 2026: $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF and $362m for State Street SPDR S&P Retail ETF.
Pair scorecard
XLY costs 0.27 points a year less; their one-year returns differ by 6.0 points; XLY is far larger, $22.4bn against $362m.
| Measure | XLY | XRT |
|---|---|---|
| Return | ||
| Total return, 1 year | −3.6% | +2.4% |
| Drawdown | ||
| Below its high | 6.8%, high on Jan 12, 2026 | 9.9%, high on Nov 16, 2021 |
| Benchmark | ||
| What it tracks | Consumer Discretionary Select Sector Index | S&P Retail Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.08% | 0.35% |
| Net assets, as of Oct 27, 2026 | $22.4bn | $362m |
| Holdings | ||
| Holdings in common | 11% | |
| Top ten holdings, share of the fund | 68.5% | 16.6% |
Holdings in common uses holdings dated Oct 27, 2026. Method
Risk and return
Jun 30, 2006 to Oct 23, 2026 · 1,060 weekly returnsXLY returned more: +775.6% to +507.2%. XLY swung less: 21.9% to 25.8%. XLY fell slightly less at its worst: −58.4% to −64.5%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | XLY | XRT | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +775.6% | +507.2% | XLY | Price change plus distributions, reinvested. |
| Annualized | +11.2% | +9.3% | XLY | Total return as a yearly rate. |
| Price return | +577.4% | +366.0% | XLY | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 21.9% | 25.8% | XLY | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 14.8% | 17.4% | XLY | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −58.4% | −64.5% | XLY (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.52 | 0.41 | XLY | Return above Treasury bills per unit of volatility. |
| Sortino | 0.77 | 0.60 | XLY | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.19 | 0.14 | XLY | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,060 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, XLY and XRT hold 11% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
11% in common
Only in one fund ↓
Side by side
XLY and XRT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
XLY and XRT are built for the same job. How do they differ in cost, holdings and results?
- What each follows. XLY follows Consumer Discretionary Select Sector Index and XRT follows S&P Retail Select Industry Index.
- Holdings in common. 11% of the weight is in the same securities (holdings dated Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 XLY returned −3.6% and XRT +2.4% with distributions reinvested, a gap of 6.0 points.
Data as of Oct 28, 2026.
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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. 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 48 positions, with the top ten at 68.5%. It sat 6.8% below its high of Jan 12, 2026 on Oct 28, 2026.
XRT
XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 16.6%. It sat 9.9% below its high of Nov 16, 2021 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, XLY or XRT?
- In the year to Oct 28, 2026, with distributions reinvested, XLY returned −3.6% and XRT +2.4%.
- Which is cheaper, XLY or XRT?
- XLY is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.
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, XLY against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/xly-vs-xrt
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[XLY against XRT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/xly-vs-xrt)
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