Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLY vs XRT: how they differ
XLY and XRT hold 11% of their weight in the same names, and XRT returned more over the year.
State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, XLY and XRT hold 11% of their money in the same securities at the same weight.
| Holding | XLY | XRT |
|---|---|---|
| AMAZON.COM INC | 24.68% | 1.50% |
| ROSS STORES INC | 1.90% | 1.38% |
| O REILLY AUTOMOTIVE INC | 1.85% | 1.34% |
| CARVANA CO | 1.32% | 1.48% |
| AUTOZONE INC | 1.24% | 1.31% |
| EBAY INC | 1.22% | 1.40% |
| TJX COMPANIES INC | 3.44% | 1.07% |
| ULTA BEAUTY INC | 0.61% | 1.61% |
| TRACTOR SUPPLY COMPANY | 0.46% | 1.54% |
| BEST BUY CO INC | 0.45% | 1.65% |
| US DOLLAR | 0.02% | 0.01% |
| SSI US GOV MONEY MARKET CLASS | 0.01% | 0.20% |
| Only in XLY | Only in XRT |
|---|---|
| TESLA INC 17.84% | ABERCROMBIE + FITCH CO CL A 2.37% |
| HOME DEPOT INC 5.31% | MARINEMAX INC 2.27% |
| MCDONALD S CORP 4.09% | CARMAX INC 1.77% |
| BOOKING HOLDINGS INC 3.52% | FIVE BELOW 1.75% |
| STARBUCKS CORP 2.96% | TARGET CORP 1.73% |
| LOWE S COS INC 2.88% | PENSKE AUTOMOTIVE GROUP INC 1.72% |
| GENERAL MOTORS CO 2.03% | SALLY BEAUTY HOLDINGS INC 1.71% |
| DOORDASH INC A 1.99% | LITHIA MOTORS INC 1.70% |
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.
| XLY State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF | XRT State Street(R) SPDR(R) S&P(R) Retail ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | Consumer discretionary | SPDR S&P Retail |
| Total return, 1 year | −4.1% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −21.6 pts | −20.6 pts |
| Expense ratio | 0.08% | 0.35% |
| Already in the S&P 500 | 100.0% | 22.5% |
| Holdings | 49 | 77 |
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. 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 49 positions, with the top ten at 68.7%. It sat 8.9% below its high of Jan 12, 2026 on Sep 11, 2026.
XRT in plain words
XRT is an index equity fund tracking the SPDR S&P Retail. Over the year to Sep 11, 2026 it returned −3.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Sep 10, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 18.4%. It sat 12.2% below its high of Nov 16, 2021 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, XLY or XRT?
- In the year to Sep 13, 2026, with distributions reinvested, XLY returned −4.1% and XRT returned −3.0%, so XRT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLY or XRT?
- XLY charges 0.08% a year and XRT charges 0.35%, so XLY is cheaper. Fees come from each fund's prospectus.
- How much do XLY and XRT overlap with the S&P 500?
- By their latest filed holdings, 100% of XLY and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 11% of their books are the same securities at the same weight.
Other comparisons
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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, XLY against XRT, data as of Sep 13, 2026. https://etfiq.com/compare/any/xly-vs-xrt Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources