Which is cheaper, BIOY or XLYI?

BIOY charges 1.18% a year and XLYI charges 0.35%, so XLYI is cheaper. Fees come from each fund's prospectus.

Data as of Nov 4, 2026.

Income ETFs

BIOY vs XLYI: Dividend Yield & Total Return

BIOY and XLYI both write options for income.

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Net assets on Nov 3, 2026: $1.5m for GraniteShares YieldBOOST Biotech ETF and $46m for State Street Consumer Discretionary Select Sector SPDR Premium Income ETF.

BIOY on its own →XLYI on its own →

At a glance

26.1%

BIOY cash paid, since launch, May 5, 2026

13.4%

XLYI cash paid, 1 year

+5.4%

BIOY total return, since launch, May 5, 2026

+1.5%

XLYI total return, 1 year

BIOY · since launch to Nov 4, 2026 13.6 pts behind XBI

BIOY

+5.4%

XBI

+19.0%

13.6 pts behind XBI

BIOY since launch: paid 26.1%, price −21.9%, total +5.4%, XBI +19.0%, −13.6 pts. Data to Nov 4, 2026.

XBI

+19.0%

BIOY

+5.4%

26.1% as cash

13.6 pts behind XBI

Total return, distributions reinvested

13.6 pts behind XBI

BIOY since launch: paid 26.1%, price −21.9%, total +5.4%, XBI +19.0%, −13.6 pts. Data to Nov 4, 2026.

XBI

+19.0%

BIOY

+5.4%

13.6 pts behind XBI

26.1% of it arrived as cash. Total return, distributions reinvested. BIOY since launch: paid 26.1%, price −21.9%, total +5.4%, XBI +19.0%, −13.6 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

XLYI · 1 year to Nov 4, 2026 2.1 pts behind XLY

XLYI

+1.5%

XLY

+3.6%

2.1 pts behind XLY

XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

XLY

+3.6%

XLYI

+1.5%

2.1 pts behind XLY

Total return, distributions reinvested

2.1 pts behind XLY

XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

XLY

+3.6%

XLYI

+1.5%

2.1 pts behind XLY

13.4% of it arrived as cash. Both charts share one scale, with zero at the line. XLYI over 1 year: paid 13.4%, price −12.2%, total +1.5%, XLY +3.6%, −2.1 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

Pair scorecard

XLYI costs 0.83 points a year less; XLYI is far larger, $46m against $1.5m.

Points (pts) are percentage points.

BIOY vs XLYI: Dividend Yield & Total Return
Measure	BIOY	XLYI
Paid and earned
Measure	BIOY	XLYI
Total return, 1 year	not published	+1.5%
Price change	fell 21.9% (since May 5, 2026)	fell 12.2% (1 year)
Return of capital, issuer estimate	96% of the Sep 22, 2026 payment	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	BIOY	XLYI
Benchmark	Biotech, measured through XBI	Consumer discretionary, measured through XLY
Cost and size
Measure	BIOY	XLYI
Expense ratio	1.18%	0.35%
Net assets, as of Nov 3, 2026	$1.5m	$46m
Holdings
Measure	BIOY	XLYI
Holdings in common	0%

Method

What they share

By the books each fund has filed, BIOY and XLYI hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Nov 3, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIOY XLYI

Only in one fund ↓

Only in BIOY

Only in XLYI

STATE STREET CONSUMER DISCRETI 103.77%

STATE STREET CONSUMER DISCRETI NOV26 121 CALL -0.01%

STATE STREET CONSUMER DISCRETI NOV26 118.5 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 119.5 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 119 CALL -0.02%

STATE STREET CONSUMER DISCRETI NOV26 116 CALL -0.04%

STATE STREET CONSUMER DISCRETI NOV26 117 CALL -0.06%

STATE STREET CONSUMER DISCRETI NOV26 114 CALL -3.67%

Check overlap with more funds →

Side by side

BIOY GraniteShares YieldBOOST Biotech ETF · Synthetic covered call on XBI, paying weekly XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF · Covered call on XLY, paying monthly

Issuer GraniteShares State Street

Strategy synthetic covered call covered call

Benchmark Biotech (XBI) Consumer discretionary (XLY)

Pays weekly monthly

Payout rate, annualized 60.7% 17.6%

Expense ratio 1.18% 0.35%

Cash paid, 1 year 26.1% (since launch, May 5, 2026) 13.4%

Price change, 1 year −21.9% (since launch, May 5, 2026) −12.2%

Total return, 1 year +5.4% (since launch, May 5, 2026) +1.5%

Benchmark return, 1 year +19.0% (since launch, May 5, 2026) +3.6%

Ahead or behind −13.6 pts (since launch, May 5, 2026) −2.1 pts

Return of capital, latest estimate 96% 100%

Age 183 days 1.3 years

Net assets, as of Nov 3, 2026 $1.5m $46m

As of Nov 4, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price. Payout rate: the latest payment, annualized, over today’s price.

Window by window

Window by window: BIOY vs XLYI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	BIOY	XLYI	BIOY	XLYI	BIOY	XLYI
3 months	+6.9%	−0.2%	14.5%	3.3%	+2.9 pts	−3.5 pts
6 months	+4.4%	+1.2%	25.9%	6.6%	−11.3 pts	−1.3 pts
1 year	–	+1.5%	–	13.4%	–	−2.1 pts
Since launchNot the same days: BIOY May 2026 · XLYI Jul 2025	+5.4%	+7.9%	26.1%	17.7%	−13.7 pts	−2.8 pts

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Alert

About each fund

BIOY

Over the period from its first trade on May 5, 2026 to Nov 4, 2026, BIOY paid 26.1% of its starting value in cash distributions while its price fell 21.9%. With every distribution reinvested, the fund returned +5.4%. Biotech (XBI) returned +19.0% over the same days, so a holder was behind by 13.6 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 60.7%, paid weekly. GraniteShares estimates that 96% of the distribution paid Sep 22, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.

XLYI

Over the year to Nov 4, 2026, XLYI paid 13.4% of its starting value in cash distributions while its price fell 12.2%. With every distribution reinvested, the fund returned +1.5%. Consumer discretionary (XLY) returned +3.6% over the same days, so a holder was behind by 2.1 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 17.6%, paid monthly. State Street estimates that 100% of the distribution paid Nov 5, 2026 was a return of capital (its 19a-1 notice).

Questions people ask

Which is cheaper, BIOY or XLYI?: BIOY charges 1.18% a year and XLYI charges 0.35%, so XLYI is cheaper. Fees come from each fund's prospectus.

Other comparisons

BIOY vs XLEI BIOY vs MDST BIOY vs YRAM BIOY vs WEPN XLYI vs FINY XLYI vs WEPN XLYI vs TECY XLYI vs YRAM

Where to next

Biotech (XBI) →Consumer discretionary (XLY) →All income ETFs ranked by the Distribution Coverage Score →How the scores are computed →BIOY on its own →XLYI on its own →BIOY dividend history →XLYI dividend history →XLYI holdings →Method →Standards and sources →

Sources and dates

BIOY filings on SEC EDGAR ↗

BIOY prospectus with the expense ratio (SEC) ↗

BIOY 19a-1 distribution notice ↗

GraniteShares page for BIOY ↗

XLYI filings on SEC EDGAR ↗

XLYI prospectus with the expense ratio (SEC) ↗

XLYI 19a-1 distribution notice ↗

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.

Every number is an ETFIQ calculation with distributions reinvested.

Cite this pageCitation, APA and Markdown

ETFIQ, BIOY against XLYI, data as of Nov 4, 2026. https://etfiq.com/compare/income/bioy-vs-xlyi

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