State Street Consumer Discretionary Select Sector SPDR ETF
$112.36+0.09 (+0.08%)
- 0.08%
- $22.1B
- −1.0%
- 0.83%
- 7M sh
- $112.85
- low $105.19high $125.01
The ETF.net XLY Grade
A
Score 78 out of 100
- 1 of 15
Score 78 of 100 falls in the A band. A is 70 or higher, B 55 to under 70, C 40 to under 55, D 25 to under 40, F under 25.
Cost
The fund’s net expense ratio, ranked against its category.A96 out of 100Rank 1 of 15Mission
Whether the fund did what it promised, tested against its stated mandate.A80 out of 100Rank 2 of 3Risk
How the fund held up when markets fell: downside volatility, drawdowns and tail loss.C47 out of 100Rank 8 of 15Tradability
How easy the fund is to trade: daily volume, and how far its price strays from net asset value.A100 out of 100Rank 1 of 15Holdings
How concentrated the fund is, and how complete and current its disclosed holdings are.C40 out of 100Rank 12 of 15Durability
Whether the fund is likely to stay open, judged by its age, its assets and its issuer’s assets.A79 out of 100Rank 3 of 15
Our read on XLY
ALive since 1998 as one of the original Select Sector SPDRs, XLY bundles the S&P 500's spending-money stocks (cars, couches, burgers, online carts) into one heavily traded ticker at eight basis points.
The fund seeks to track the performance of the Consumer Discretionary Select Sector Index, providing targeted exposure to companies in the consumer discretionary sector.
Why people hold it
- Charges 0.08% a year, a fraction of the roughly 0.35% typical for consumer discretionary funds, and tied for the cheapest in its peer group.
- A multi-billion-dollar fund and one of the most actively traded in the category, which generally shows up as tight bid-ask spreads for buyers and sellers.
- Plain mandate: S&P 500 consumer discretionary members, with capping rules that stop any single company from swallowing the index. Pays quarterly.spglobal.com
- Trading since December 1998 as one of the first US sector funds, and it still stands among the strongest implementations in its peer group.
Worth knowing
- About 50 stocks. Even with the index caps, a small handful of megacaps drives most of the movement.spglobal.com
- S&P 500 members only, so smaller retailers and restaurant chains sit outside the index entirely.spglobal.com
- One sector, and a cyclical one: discretionary spending rises and falls with the economy, and the fund is classified as non-diversified.sec.govbritannica.com
XLY Holdings
- Stocks
- 50
- 68%
- AMZN
Sectors
- Consumer Discretionary96.8%
- Communication2.0%
- Technology1.2%
Geography
- United States98.28%
- Switzerland1.46%
- Canada0.26%
XLY Performance
Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.
XLY$9,896
Returns run to the Oct 12, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.
| Period | XLY |
|---|---|
| Year to date | −5.4% |
| 1 month | −0.4% |
| 3 months | −4.0% |
| 1 year | −1.0% |
| 3 years | +12.6% |
| 5 years | +5.0% |
| 10 years | +12.1% |
Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.
| Year | Return bar | XLY |
|---|---|---|
| 2026 YTD | −5.4% | |
| 2025 | +7.4% | |
| 2024 | +26.5% | |
| 2023 | +39.6% | |
| 2022 | −36.3% | |
| 2021 | +27.9% | |
| 2020 | +29.6% |
XLY in the news
XLY Dividends
- 0.83%
- $0.93
- $0.24 per share
- Quarterly
Distribution history
XLY Risk
- 17.9%
How it’s calculated: standard deviation
The sample standard deviation of monthly total returns, multiplied by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.
- 0.45
How it’s calculated: Sharpe ratio
Subtract each month’s Treasury-bill return from the fund’s monthly total return.
Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.
- −39.7%
How it’s calculated: maximum drawdown
The largest percentage decline from an earlier peak, using total returns with reinvested distributions.
Uses up to five years through the last close, with at least 12 months required.
- 1.22
How it’s calculated: beta
The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.
XLY Cost
0.08%
XLY0.08%
- The middle half of Consumer Discretionary (Broad) funds
- Median 0.35%
No Consumer Discretionary (Broad) fund charges less.
Other funds in Consumer Discretionary (Broad)
- AFDISFidelity MSCI Consumer Discretionary Index ETFExpense ratio 0.08%1 year return +0.6%
- BXRTState Street SPDR S&P Retail ETFExpense ratio 0.35%1 year return +4.9%
- BVCRVanguard Consumer Discretionary ETFExpense ratio 0.09%1 year return +0.7%
- BRTHVanEck Retail ETFExpense ratio 0.35%1 year return +8.1%
- BXHBState Street SPDR S&P Homebuilders ETFExpense ratio 0.35%1 year return −8.3%