ETF Versus

SPYG vs XLY

State Street SPDR Portfolio S&P 500 Growth ETF vs State Street Consumer Discretionary Select Sector SPDR ETF

Last updated: 2026-04-10

SPYG SPDR

State Street SPDR Portfolio S&P 500 Growth ETF (SPYG) is an exchange-traded fund issued by SPDR that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a very low expense ratio of 0.04%. The fund offers a modest dividend yield of 0.54%. Launched in 2000, the fund has a 26-year track record.

AUM: $44.2B ER: 0.04% Yield: 0.54% Since: Sep 25, 2000
XLY SPDR

State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is an exchange-traded fund issued by SPDR 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 0.79%. Launched in 1998, the fund has a 28-year track record.

AUM: $21.3B ER: 0.08% Yield: 0.79% Since: Dec 16, 1998

Quick Verdict

SPYG has a slightly lower expense ratio (0.04% vs 0.08%), saving about $80 per $10,000 over 10 years. Over the past year, SPYG has significantly outperformed with a 36.0% return vs 19.8%.

Key Metrics

Metric SPYG XLY
Expense Ratio 0.04% 0.08%
Dividend Yield 0.5% 0.8%
Fund Family SPDR SPDR
Category US Large Cap Growth US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

70 93 116 139 162 185 2021-04 2022-07 2023-10 2025-01 2026-04
SPYG +75.3%
XLY +27.1%

Performance Comparison

Period SPYG XLY Difference
1 Month +0.63% -1.36% +1.99%
3 Months -3.48% -9.58% +6.10%
6 Months -0.04% -3.72% +3.68%
YTD -2.09% -4.87% +2.78%
1 Year +35.95% +19.84% +16.11%
3 Years +88.56% +54.44% +34.12%
5 Years +75.34% +27.14% +48.20%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SPYG Fees XLY Fees You Save
$10,000 10 years $80 $159 $80
$10,000 20 years $344 $686 $342
$10,000 30 years $1,112 $2,212 $1,100
$50,000 10 years $399 $797 $398
$50,000 30 years $5,560 $11,061 $5,501
$100,000 30 years $11,121 $22,123 $11,002

Risk Metrics

Based on 5 years of daily returns

Metric SPYG XLY
Annualized Volatility 21.1% 23.7%
Max Drawdown -33.1% -40.3%
Sharpe Ratio 0.43 0.13

Dividend Comparison

Metric SPYG XLY
Annual Dividend (per share) $0.56 $0.89
Dividend Yield 0.54% 0.79%
Distribution Frequency Quarterly Quarterly

Top Holdings

1 of top 9 holdings overlap (11% overlap in top holdings)

SPYG Top Holdings

NameWeight
NVIDIA CorporationNVDA14.49%
Microsoft CorporationMSFT9.10%
Apple Inc.AAPL6.22%
Broadcom Inc.AVGO5.44%
Alphabet Inc.GOOG4.82%
Meta Platforms, Inc.META4.39%
Amazon.com, Inc.AMZN3.75%
Berkshire Hathaway Inc.BRK.B2.88%
Eli Lilly and CompanyLLY2.47%

XLY Top Holdings

NameWeight
Amazon.com, Inc.AMZN24.60%
Tesla, Inc.TSLA17.23%
The Home Depot, Inc.HD5.97%
The TJX Companies, Inc.TJX4.40%
McDonald's CorporationMCD4.37%
Booking Holdings Inc.BKNG3.57%
Lowe's Companies, Inc.LOW3.35%
Starbucks CorporationSBUX2.71%
O'Reilly Automotive, Inc.ORLY1.92%
Marriott International, Inc.MAR1.88%

Which One Should You Choose?

Choose SPYG if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose SPYG if...

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

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