XLY vs VCR: ETF comparison
Consumer Discretionary Select Sector SPDR® Fund and Vanguard Consumer Discretionary Index Fund ETF Shares side by side: cost, yield, returns, risk and holdings, from end-of-day data (to 23 Oct 2026) and SEC filings. Educational, not advice.
XLY and VCR at a glance
| XLY | VCR | |
|---|---|---|
| Fund | Consumer Discretionary Select Sector SPDR® Fund | Vanguard Consumer Discretionary Index Fund ETF Shares |
| Issuer (by our rules) | State Street (SPDR) | Vanguard |
| Category (by our rules) | Consumer | Consumer |
| Price | $113.10 | $378.18 |
| Expense ratio | 0.08% | 0.09% |
| Yield (last 12 months) | 0.83% | 0.79% |
| Distributions | Quarterly | Quarterly |
| Holdings | 51 | 286 |
| Net assets (fund, SEC) | $22.6B | $7.0B |
| Top 10 holdings share | 69.2% | 60.0% |
| 1-year total return | −4.3% | −3.2% |
| 3 years a year | +15.2% | +15.0% |
| 5 years a year | +4.1% | +3.7% |
| Volatility (1 year) | 19.3% | 19.2% |
| Largest drop in our data | −59.1% | −61.5% |
What differs
XLY charges 0.08% a year against 0.09% for VCR: on $10,000 that is $1 a year less in fund costs.
Over 5 years the annualised total return was +4.1% for XLY and +3.7% for VCR. Past returns do not predict future ones.
Top holdings
Amazon.com Inc22.22%
Tesla Inc19.64%
Home Depot Inc/The5.83%
McDonald's Corp4.15%
TJX Cos Inc/The3.92%
Booking Holdings Inc3.44%
Lowe's Cos Inc3.07%
Starbucks Corp2.90%
As of 30 Jun 2026 (SEC Form N-PORT).
Amazon.com Inc24.41%
Tesla Inc17.72%
Home Depot Inc/The4.57%
McDonald's Corp2.90%
TJX Cos Inc/The2.52%
Booking Holdings Inc1.98%
Lowe's Cos Inc1.77%
Starbucks Corp1.67%
As of 31 May 2026 (SEC Form N-PORT).
Go further
For a deeper overlap check between two funds, use the overlap checker on ETFWinner. Fund pages: XLY, VCR.
Educational information, not financial advice or a recommendation to choose either fund. Funds can lose value, and past performance does not guarantee future results.