XRTvsXLYETF Comparison
VS
ETF 2
XLY
State Street Consumer Discretionary Select Sector SPDR Fund
This fund is part of
US Cons. Discretionary
+0.74%
State Street SPDR S&P Retail ETF (XRT) and State Street Consumer Discretionary Select Sector SPDR Fund (XLY) belong to the same industry segment: US Cons. Discretionary. Both ETFs have the same top 3 sector exposures: Consumer Cyclicals, Consumer Non-Cyclicals and Consumer Services. XRT is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.08% for XLY. XRT is up 3.22% year-to-date (YTD) with -$113M in YTD flows. XLY performs worse with -3.69% YTD performance, and -$1.24B in YTD flows. Run a side-by-side ETF comparison of XRT and XLY below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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XRT vs XLY performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/26/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XRT XLY | +5.99%+4.87% | -2.12%+3.30% | +3.22%-3.69% | +3.18%-4.43% | +54.55%+58.28% | +0.54%+20.60% |
| Flows | XRT XLY | -$60M-$429M | -$142M-$2M | -$113M-$1.24B | -$245M-$1.45B | -$34M-$1.06B | -$471M-$2.01B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XRT XLY | +19.69%+16.90% | +20.65%+19.29% | +22.56%+20.74% | +26.77%+24.12% |
| Max drawdown | XRT XLY | -11.18%-9.01% | -13.52%-15.00% | -25.60%-26.02% | -44.51%-39.67% |
| Max drawdown duration | XRT XLY | 83d78d | 181d287d | 244d268d | 1805d1080d |
Trading data
XRT | XLY | |
Last sale 10/27/2026 at 1:30 PM | $87.31 | $115.45 |
| Previous close 10/26/2026 | $87.42 | $114.26 |
| Consolidated volume 10/26/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of September 30, 2026
1-year trailing difference
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XRT | XLY | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 10/27/2026 at 1:30 PM
Live
Closed
XRT | XLY | |
|---|---|---|
| Last price | $87.31 | $115.45 |
| 1D performance | -0.13% | +1.04% |
| AuM | $367.21 M | $22.06 B |
| E/R | 0.35% | 0.08% |
Characteristics
XRT | XLY | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | State Street Investment Management |
| Benchmark | S&P Retail Select Industry Index | S&P Consumer Discretionary Select Sector Index |
| N° of holdings | 75 | 46 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 19, 2006 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
XRT
USA
98.55%
Other
1.45%
XLY
USA
97.37%
Other
2.63%
Sectors
XRT
Consumer Cyclical.
52.04%
Consumer Non-Cycl.
43.78%
Other
4.17%
XLY
Consumer Cyclical.
41.07%
Consumer Non-Cycl.
31.46%
Consumer Services
25.39%
Other
2.08%
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Diversification
XRT
Total weight of top 15 holdings out of 15
26.24%
XLY
Total weight of top 15 holdings out of 15
77.88%
Top 15 holdings
Data as of August 31, 2026
XRT
Abercrombie & Fitch Co.
2.31%
MarineMax, Inc.
2.20%
Grocery Outlet Holding Corp.
1.78%
CarMax, Inc.
1.74%
Five Below, Inc.
1.73%
Target Corp.
1.73%
Sally Beauty Holdings, Inc.
1.72%
Maplebear, Inc.
1.69%
Penske Automotive Group, Inc.
1.67%
Lithia Motors, Inc.
1.66%
Chewy, Inc.
1.64%
Etsy, Inc.
1.63%
Dollar General Corp.
1.59%
Victoria's Secret & Co.
1.58%
Dollar Tree, Inc.
1.58%
XLY
Amazon.com, Inc.
24.39%
Tesla, Inc.
17.30%
The Home Depot, Inc.
5.45%
McDonald's Corp.
4.05%
Booking Holdings, Inc.
3.86%
The TJX Cos., Inc.
3.49%
Starbucks Corp.
3.03%
Lowe's Companies, Inc.
2.87%
DoorDash, Inc.
2.20%
General Motors Co.
1.95%
Airbnb, Inc.
1.92%
Marriott International, Inc.
1.87%
Ross Stores, Inc.
1.84%
O'Reilly Automotive, Inc.
1.84%
Hilton Worldwide Holdings, Inc.
1.80%
Frequently asked questions about XRT and XLY
How have the XRT and XLY ETFs performed in 2026?
As of October 26, 2026, XRT is up 3.22% year-to-date (YTD), while XLY has lost -3.69%. That puts XRT better performer ahead so far this year.
Which ETF is attracting more investor money: XRT or XLY?
Year-to-date, the XRT ETF saw -$113M in flows, compared to -$1.24B for XLY.
Which ETF is more volatile: XRT or XLY?
Over the past year, XRT had a volatility of 20.65%, while XLY experienced 19.29%.
Which ETF is bigger: XRT or XLY?
As of October 26, 2026, XRT holds $367.21 M in assets under management (AUM), while XLY manages $22.06 B.
What sectors do the XRT and XLY ETFs invest in?
XRT leans toward sectors like Consumer Cyclicals and Consumer Non-Cyclicals. Meanwhile, XLY focuses on Consumer Cyclicals, Consumer Non-Cyclicals and Consumer Services.
What are the top holdings of the XRT ETF and XLY ETF?
XRT top holdings include Abercrombie & Fitch Co., MarineMax, Inc. and Grocery Outlet Holding Corp.. XLY holds in its top three: Amazon.com, Inc., Tesla, Inc. and The Home Depot, Inc..
Which ETF is more diversified: XRT or XLY?
XRT holds 75 securities with 26.24% of its assets in the top 15. XLY has 46 securities and a top 15 weight of 77.88%.
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Latest news about XRT & XLY
There's an ETF for That? Black Friday & Cyber Monday Retail
November 28, 2024
XRT
Consumer Discretionary Sector Hit by Tesla Stock's Plummet
April 22, 2024
XLY
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Consumer Discretionary Funds Weighed Down by Tesla Stocks
January 9, 2024
XLY
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