What is the expense ratio of VCR vs XLY?

VCR has an expense ratio of 0.09%, while XLY has an expense ratio of 0.08%.

VCR vs XLY

Vanguard Consumer Discretionary Index Fund ETF Shares vs State Street Consumer Discretionary Select Sector SPDR ETF

Last updated: 2026-04-02

Vanguard Consumer Discretionary Index Fund ETF Shares (VCR) is an exchange-traded fund 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 0.79%. Launched in 2004, the fund has a 22-year track record.

AUM: $5.4B ER: 0.09% Yield: 0.79% Since: Jan 26, 2004

XLY

State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is an exchange-traded fund that provides exposure to us sector - consumer discretionary securities. It charges a low expense ratio of 0.08%. The fund offers a modest dividend yield of 0.81%. Launched in 1998, the fund has a 28-year track record.

AUM: $20.9B ER: 0.08% Yield: 0.81% Since: Dec 16, 1998

Quick Verdict

Both funds have nearly identical expense ratios (0.08% vs 0.09%), so fees are not a differentiator here. Both funds have delivered similar 1-year returns (10.0% vs 10.1%), tracking closely.

Key Metrics

Metric	VCR	XLY
Expense Ratio	0.09%	0.08%
Dividend Yield	0.8%	0.8%
Fund Family	N/A	N/A
Category	US Sector - Consumer Discretionary	US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

VCR +19.2%

XLY +26.7%

Performance Comparison

Period	VCR	XLY	Difference
1 Month	-4.70%	-4.87%	+0.17%
3 Months	-7.60%	-7.22%	-0.38%
6 Months	-8.18%	-7.68%	-0.50%
YTD	-7.60%	-7.22%	-0.38%
1 Year	+9.98%	+10.06%	-0.08%
3 Years	+44.25%	+48.21%	-3.96%
5 Years	+19.17%	+26.74%	-7.57%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	VCR Fees	XLY Fees	You Save
$10.000	10 years	$179	$159	$20
$10.000	20 years	$771	$686	$85
$10.000	30 years	$2.486	$2.212	$273
$50.000	10 years	$896	$797	$99
$50.000	30 years	$12.428	$11.061	$1.366
$100.000	30 years	$24.855	$22.123	$2.732

Risk Metrics

Based on 5 years of daily returns

Metric	VCR	XLY
Annualized Volatility	23.9%	23.7%
Max Drawdown	-39.8%	-40.3%
Sharpe Ratio	0.08	0.13

Dividend Comparison

Metric	VCR	XLY
Annual Dividend (per share)	$2.86	$0.89
Dividend Yield	0.79%	0.81%
Distribution Frequency	Quarterly	Quarterly

Top Holdings

9 of top 10 holdings overlap (90% overlap in top holdings)

VCR Top Holdings

Name	Weight
Amazon.com, Inc.AMZN	23.36%
Tesla, Inc.TSLA	16.56%
The Home Depot, Inc.HD	5.29%
McDonald's CorporationMCD	3.67%
The TJX Companies, Inc.TJX	2.73%
Lowe's Companies, Inc.LOW	2.25%
Booking Holdings Inc.BKNG	2.08%
Starbucks CorporationSBUX	1.70%
Royal Caribbean Cruises Ltd.RCL	1.24%
O'Reilly Automotive, Inc.ORLY	1.23%

XLY Top Holdings

Name	Weight
Amazon.com, Inc.AMZN	23.53%
Tesla, Inc.TSLA	18.97%
The Home Depot, Inc.HD	5.94%
McDonald's CorporationMCD	4.49%
The TJX Companies, Inc.TJX	4.41%
Booking Holdings Inc.BKNG	3.38%
Lowe's Companies, Inc.LOW	3.30%
Starbucks CorporationSBUX	2.54%
O'Reilly Automotive, Inc.ORLY	1.93%
Marriott International, Inc.MAR	1.79%

Which One Should You Choose?

Either works if...

you just need broad us sector - consumer discretionary exposure. Both are solid options — pick whichever your brokerage offers commission-free.