ETF Versus

SPY vs XLE

State Street SPDR S&P 500 ETF Trust vs State Street Energy Select Sector SPDR ETF

Last updated: 2026-04-10

SPY SPDR

State Street SPDR S&P 500 ETF Trust (SPY) is an exchange-traded fund issued by SPDR that provides exposure to large-cap U.S. equities across growth and value styles. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.09%. Launched in 1993, the fund has a 33-year track record.

AUM: $678.3B ER: 0.09% Yield: 1.09% Since: Jan 22, 1993
XLE SPDR

State Street Energy Select Sector SPDR ETF (XLE) is an exchange-traded fund issued by SPDR that provides exposure to us sector - energy securities. It charges a low expense ratio of 0.08%. The fund offers an attractive dividend yield of 2.62%. Launched in 1998, the fund has a 28-year track record.

AUM: $40.6B ER: 0.08% Yield: 2.62% 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. Over the past year, XLE has significantly outperformed with a 47.9% return vs 29.6%. Income investors may prefer XLE for its higher yield (2.6% vs 1.1%).

Key Metrics

Metric SPY XLE
Expense Ratio 0.09% 0.08%
Dividend Yield 1.1% 2.6%
Fund Family SPDR SPDR
Category US Large Cap Blend US Sector - Energy

Performance Chart

Indexed to 100 at start (5-year comparison)

85 120 155 190 225 260 2021-04 2022-07 2023-10 2025-01 2026-04
SPY +65.2%
XLE +138.2%

Performance Comparison

Period SPY XLE Difference
1 Month +0.54% -0.09% +0.63%
3 Months -2.19% +22.85% -25.04%
6 Months +2.55% +31.81% -29.26%
YTD -0.47% +24.71% -25.18%
1 Year +29.62% +47.91% -18.29%
3 Years +65.95% +31.68% +34.27%
5 Years +65.18% +138.15% -72.97%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SPY Fees XLE 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 SPY XLE
Annualized Volatility 17.1% 26.1%
Max Drawdown -25.4% -26.9%
Sharpe Ratio 0.41 0.63

Dividend Comparison

Metric SPY XLE
Annual Dividend (per share) $7.38 $1.49
Dividend Yield 1.09% 2.62%
Distribution Frequency Quarterly Quarterly

Top Holdings

0 of top 9 holdings overlap (0% overlap in top holdings)

SPY Top Holdings

NameWeight
NVIDIA CorporationNVDA7.61%
Apple Inc.AAPL6.54%
Microsoft CorporationMSFT4.78%
Amazon.com, Inc.AMZN3.72%
Broadcom Inc.AVGO2.86%
Alphabet Inc.GOOG2.53%
Meta Platforms, Inc.META2.31%
Tesla, Inc.TSLA1.66%
Berkshire Hathaway Inc.BRK.B1.51%

XLE Top Holdings

NameWeight
Exxon Mobil CorporationXOM23.09%
Chevron CorporationCVX17.03%
ConocoPhillipsCOP7.23%
SLB N.V.SLB4.33%
The Williams Companies, Inc.WMB4.30%
EOG Resources, Inc.EOG4.21%
Valero Energy CorporationVLO4.08%
Marathon Petroleum CorporationMPC3.82%
Phillips 66PSX3.78%
Kinder Morgan, Inc.KMI3.60%

Which One Should You Choose?

Choose XLE if...

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

Choose XLE if...

you prioritize dividend income and want higher regular distributions from your portfolio.

Related Comparisons