XLY — State Street Consumer Discretionary Select Sector SPDR ETF

XLY Price Performance — Growth of $10,000

Value of a $10,000 investment in XLY over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.

XLY Drawdown

The "underwater" chart: XLY's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.

Overview

The State Street Consumer Discretionary Select Sector SPDR ETF (Ticker: XLY) is a fund that tracks the performance of the consumer discretionary sector. Issued by State Street Investment Management, it is one of the larger funds in its category, with an asset under management (AUM) of $22.5B. XLY ranks #390 out of 458 tracked ETFs across all categories, indicating a moderate position in terms of overall size and popularity. The expense ratio of 0.08% suggests that it is cost-effective for investors, while the dividend yield of 1.00% provides a modest income stream. The fund's price of $118.02 and AUM of $22.5B imply that it is well-adopted by investors, given its significant market presence and relatively low expense ratio.

Over the past year, the fund has seen a return of +4.52%, which is slightly above the category average. However, over the past three years, it has delivered a strong performance of +46.31%, outpacing its peers. The returns have shown a mix of short-term and long-term trends, with a notable acceleration in the 1M and 3M periods, followed by a slight deceleration in the 1Y period. The 1D and 1W returns of +1.15% and -0.15%, respectively, indicate a volatile but generally positive short-term performance. The 6M return of +0.89% suggests a more stable medium-term trajectory, while the YTD return of +0.12% reflects a modest performance in the current year.

The fund's volatility label of 'Moderate' and beta of 1.14 indicate that it is somewhat more volatile than the market, suggesting it may be more sensitive to market movements. The Sharpe ratio of -0.02 suggests that the fund's returns have not been sufficiently rewarded for the level of risk taken, implying that the risk-adjusted return is not favorable. The maximum drawdown of -26.01% highlights the fund's potential for significant losses during market downturns. These figures collectively suggest that while the fund has shown strong long-term performance, it also carries a higher level of risk and may be more susceptible to significant price declines during market corrections.

AI-generated summary based on the data on this page.

XLY Top Holdings

Holdings as of 2026-03-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 70.3% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how XLY's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.

Which Funds Overlap With XLY

Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with XLY's top 10 — FDIS overlaps most, holding 10 of the same companies as XLY's top 10 (70.3% of XLY's assets).

Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.

Market Backdrop

10-Year Treasury Yield: 4.69% (as of 2026-08-20) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.

CBOE Volatility Index (VIX): 16.01 (as of 2026-08-20) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.

Federal Funds Rate: 3.63% (as of 2026-07-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.

XLY Liquidity, Domicile & Tax Treatment

Liquidity: Quoted bid/ask spread is 1.73% and average daily volume is 7.7M/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $22.5B provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.

Domicile & tax treatment: XLY is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.

XLY Performance History

How XLY Compares to Other Consumer Discretionary ETFs