ETF Versus

SPYG vs XLY

State Street SPDR Portfolio S&P 500 Growth ETF vs State Street Consumer Discretionary Select Sector SPDR ETF

Last updated: 2026-04-02

SPYG State Street

State Street SPDR Portfolio S&P 500 Growth ETF (SPYG) is an exchange-traded fund issued by State Street that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a very low expense ratio of 0.04%. The fund offers a modest dividend yield of 0.57%. Launched in 2000, the fund has a 26-year track record.

AUM: N/A ER: 0.04% Yield: 0.57% Since: 2000-10-02
XLY State Street

State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is an exchange-traded fund issued by State Street that provides exposure to us sector - consumer discretionary securities. It charges a low expense ratio of 0.09%. The fund offers a modest dividend yield of 0.82%. Launched in 1998, the fund has a 28-year track record.

AUM: N/A ER: 0.09% Yield: 0.82% Since: 1998-12-22

Quick Verdict

SPYG has a slightly lower expense ratio (0.04% vs 0.09%), saving about $99 per $10,000 over 10 years. Over the past year, SPYG has significantly outperformed with a 21.4% return vs 6.9%.

Key Metrics

Metric SPYG XLY
Expense Ratio 0.04% 0.09%
Dividend Yield 0.6% 0.8%
Fund Family State Street State Street
Category US Large Cap Growth US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

70 94 118 142 166 190 2021-04 2022-06 2023-10 2024-12 2026-04
SPYG +69.7%
XLY +25.4%

Performance Comparison

Period SPYG XLY Difference
1 Month -3.54% -4.97% +1.43%
3 Months -7.19% -8.17% +0.98%
6 Months -5.92% -9.40% +3.48%
YTD -7.19% -8.17% +0.98%
1 Year +21.39% +6.91% +14.48%
3 Years +77.79% +46.70% +31.09%
5 Years +69.72% +25.45% +44.27%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SPYG Fees XLY Fees You Save
$10,000 10 years $80 $179 $99
$10,000 20 years $344 $771 $427
$10,000 30 years $1,112 $2,486 $1,373
$50,000 10 years $399 $896 $497
$50,000 30 years $5,560 $12,428 $6,867
$100,000 30 years $11,121 $24,855 $13,734

Risk Metrics

Based on 5 years of daily returns

Metric SPYG XLY
Annualized Volatility 21.1% 23.7%
Max Drawdown -33.1% -40.3%
Sharpe Ratio 0.40 0.12

Dividend Comparison

Metric SPYG XLY
Annual Dividend (per share) $0.56 $0.89
Dividend Yield 0.57% 0.82%
Distribution Frequency Quarterly Quarterly

Which One Should You Choose?

Choose SPYG if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose SPYG if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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