ETF Versus

XLK vs XLY

State Street Technology Select Sector SPDR ETF vs State Street Consumer Discretionary Select Sector SPDR ETF

Last updated: 2026-04-02

XLK State Street

State Street Technology Select Sector SPDR ETF (XLK) is an exchange-traded fund issued by State Street that provides exposure to us sector - technology securities. It charges a low expense ratio of 0.09%. The fund offers a modest dividend yield of 0.56%. Launched in 1998, the fund has a 28-year track record.

AUM: N/A ER: 0.09% Yield: 0.56% Since: 1998-12-22
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

Over the past year, XLK has significantly outperformed with a 29.4% return vs 6.9%.

Key Metrics

Metric XLK XLY
Expense Ratio 0.09% 0.09%
Dividend Yield 0.6% 0.8%
Fund Family State Street State Street
Category US Sector - Technology US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

70 100 130 160 190 220 2021-04 2022-06 2023-10 2024-12 2026-04
XLK +96.1%
XLY +25.4%

Performance Comparison

Period XLK XLY Difference
1 Month -1.40% -4.97% +3.57%
3 Months -6.04% -8.17% +2.13%
6 Months -5.72% -9.40% +3.68%
YTD -6.04% -8.17% +2.13%
1 Year +29.41% +6.91% +22.50%
3 Years +79.85% +46.70% +33.15%
5 Years +96.09% +25.45% +70.64%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period XLK Fees XLY Fees You Save
$10,000 10 years $179 $179 $0
$10,000 20 years $771 $771 $0
$10,000 30 years $2,486 $2,486 $0
$50,000 10 years $896 $896 $0
$50,000 30 years $12,428 $12,428 $0
$100,000 30 years $24,855 $24,855 $0

Risk Metrics

Based on 5 years of daily returns

Metric XLK XLY
Annualized Volatility 24.7% 23.7%
Max Drawdown -34.0% -40.3%
Sharpe Ratio 0.49 0.12

Dividend Comparison

Metric XLK XLY
Annual Dividend (per share) $0.77 $0.89
Dividend Yield 0.56% 0.82%
Distribution Frequency Quarterly Quarterly

Which One Should You Choose?

Choose XLK if...

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

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