ETF Versus

XLK vs XLY

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

Last updated: 2026-04-10

XLK SPDR

State Street Technology Select Sector SPDR ETF (XLK) is an exchange-traded fund issued by SPDR that provides exposure to us sector - technology securities. It charges a low expense ratio of 0.08%. The fund offers a modest dividend yield of 0.54%. Launched in 1998, the fund has a 28-year track record.

AUM: $90.3B ER: 0.08% Yield: 0.54% Since: Dec 16, 1998
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

Over the past year, XLK has significantly outperformed with a 46.8% return vs 19.8%.

Key Metrics

Metric XLK XLY
Expense Ratio 0.08% 0.08%
Dividend Yield 0.5% 0.8%
Fund Family SPDR SPDR
Category US Sector - Technology US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

70 99 128 157 186 215 2021-04 2022-07 2023-10 2025-01 2026-04
XLK +102.2%
XLY +27.1%

Performance Comparison

Period XLK XLY Difference
1 Month +1.60% -1.36% +2.96%
3 Months -2.80% -9.58% +6.78%
6 Months +0.06% -3.72% +3.78%
YTD -1.13% -4.87% +3.74%
1 Year +46.81% +19.84% +26.97%
3 Years +93.34% +54.44% +38.90%
5 Years +102.25% +27.14% +75.11%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period XLK Fees XLY Fees You Save
$10,000 10 years $159 $159 $0
$10,000 20 years $686 $686 $0
$10,000 30 years $2,212 $2,212 $0
$50,000 10 years $797 $797 $0
$50,000 30 years $11,061 $11,061 $0
$100,000 30 years $22,123 $22,123 $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 0.51 0.13

Dividend Comparison

Metric XLK XLY
Annual Dividend (per share) $0.77 $0.89
Dividend Yield 0.54% 0.79%
Distribution Frequency Quarterly Quarterly

Top Holdings

0 of top 10 holdings overlap (0% overlap in top holdings)

XLK Top Holdings

NameWeight
NVIDIA CorporationNVDA15.30%
Apple Inc.AAPL13.10%
Microsoft CorporationMSFT9.49%
Broadcom Inc.AVGO5.76%
Micron Technology, Inc.MU3.96%
Advanced Micro Devices, Inc.AMD3.22%
Cisco Systems, Inc.CSCO2.74%
Lam Research CorporationLRCX2.69%
Applied Materials, Inc.AMAT2.63%
Palantir Technologies Inc.PLTR2.49%

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 XLK if...

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

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