XLF vs XLY
State Street Financial Select Sector SPDR ETF vs State Street Consumer Discretionary Select Sector SPDR ETF
Last updated: 2026-04-02
State Street Financial Select Sector SPDR ETF (XLF) is an exchange-traded fund issued by State Street that provides exposure to us sector - financials securities. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.60%. Launched in 1998, the fund has a 28-year track record.
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.
Quick Verdict
Over the past year, XLY has significantly outperformed with a 6.9% return vs -1.3%. Income investors may prefer XLF for its higher yield (1.6% vs 0.8%).
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Which One Should You Choose?
Choose XLY if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.
Choose XLF if...
you prioritize dividend income and want higher regular distributions from your portfolio.