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

State Street Investment Management issues the State Street Consumer Discretionary Select Sector SPDR ETF (XLY), which tracks the Consumer Discretionary sector with $21.3 billion in assets. The fund holds a D grade and ranks 1 of 8 within its category, placing it 391 of 458 among all tracked ETFs. Its expense ratio of 0.08% is significantly lower than the category median of 0.35%, while its 0.84% dividend yield matches the sector average. Top holdings constitute 69.2% of assets, with Amazon.com Inc representing the largest single position at 22.2%.

The fund’s recent price of $111.36 sits at 31.1% of its 52-week range, reflecting a mixed return profile across different time horizons. Short-term performance shows a 1-day decline of 0.32% and a 1-week gain of 2.32%, contrasting with a 1-month loss of 2.09% and a 3-month drop of 4.49%. Longer-term figures present a divergence, with a 6-month increase of 0.91% offset by a 1-year loss of 6.40% and a 3-year gain of 41.52%. The 1-year return of -6.40% trails the category median of -5.65%. The ETFValuer grade has remained unchanged at D over the last 35 tracked days, and price history is available for 3.0 years.

With a beta of 1.18, the ETF exhibits higher sensitivity to market movements than the broader index. Annualized volatility of 19.47% is classified as Moderate, contributing to a negative Sharpe ratio of -0.59. The maximum drawdown of -26.01% indicates significant peak-to-trough declines in value during the measured period. High liquidity is evident from an average daily volume of 6,600,173 shares, suggesting ease of trading. These metrics collectively describe a fund that has experienced substantial volatility and recent underperformance relative to its risk-adjusted benchmarks.

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

XLY Top Holdings

Holdings as of 2026-06-30 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 69.2% 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 — VCR overlaps most, holding 9 of the same companies as XLY's top 10 (67.2% 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: 5.27% (as of 2026-10-06) — 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): 15.01 (as of 2026-10-06) — 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: 3.75% (as of 2026-09-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.

XLY Liquidity, Domicile & Tax Treatment

Liquidity: Average daily volume is 6.6M/day. Higher volume and a larger fund generally mean lower round-trip trading costs. AUM of $21.3B 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