ETF Versus

XLV vs XLY

State Street Health Care Select Sector SPDR ETF vs State Street Consumer Discretionary Select Sector SPDR ETF

Last updated: 2026-04-10

XLV SPDR

State Street Health Care Select Sector SPDR ETF (XLV) is an exchange-traded fund issued by SPDR that provides exposure to us sector - healthcare securities. It charges a low expense ratio of 0.08%. The fund offers a moderate dividend yield of 1.70%. Launched in 1998, the fund has a 28-year track record.

AUM: $39.2B ER: 0.08% Yield: 1.70% 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, XLY has significantly outperformed with a 19.8% return vs 9.6%. Income investors may prefer XLV for its higher yield (1.7% vs 0.8%).

Key Metrics

Metric XLV XLY
Expense Ratio 0.08% 0.08%
Dividend Yield 1.7% 0.8%
Fund Family SPDR SPDR
Category US Sector - Healthcare US Sector - Consumer Discretionary

Performance Chart

Indexed to 100 at start (5-year comparison)

70 85 100 115 130 145 2021-04 2022-07 2023-10 2025-01 2026-04
XLV +25.2%
XLY +27.1%

Performance Comparison

Period XLV XLY Difference
1 Month -3.26% -1.36% -1.90%
3 Months -6.04% -9.58% +3.54%
6 Months +4.17% -3.72% +7.89%
YTD -4.91% -4.87% -0.04%
1 Year +9.62% +19.84% -10.22%
3 Years +10.45% +54.44% -43.99%
5 Years +25.24% +27.14% -1.90%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period XLV 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 XLV XLY
Annualized Volatility 14.6% 23.7%
Max Drawdown -18.1% -40.3%
Sharpe Ratio 0.07 0.13

Dividend Comparison

Metric XLV XLY
Annual Dividend (per share) $2.51 $0.89
Dividend Yield 1.70% 0.79%
Distribution Frequency Quarterly Quarterly

Top Holdings

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

XLV Top Holdings

NameWeight
Eli Lilly and CompanyLLY14.06%
Johnson & JohnsonJNJ10.80%
AbbVie Inc.ABBV6.97%
Merck & Co., Inc.MRK5.66%
UnitedHealth Group IncorporatedUNH5.16%
Amgen Inc.AMGN3.56%
Thermo Fisher Scientific Inc.TMO3.49%
Abbott LaboratoriesABT3.32%
Gilead Sciences, Inc.GILD3.27%
Intuitive Surgical, Inc.ISRG3.00%

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 XLY if...

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

Choose XLV if...

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

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