SFYF vs. XLY

Last updated Aug 5, 2026

SFYF (SoFi Social 50 ETF) and XLY (Consumer Discretionary Select Sector SPDR Fund) are both exchange-traded funds - SFYF is a Large Cap Growth Equities fund tracking the SoFi Social 50 Index, while XLY is a Consumer Discretionary Equities fund tracking the Consumer Discretionary Select Sector Index. Both are passively managed. Over the past 5 years, SFYF returned 10.87%/yr vs 6.23%/yr for XLY. Their correlation of 0.83 means they have usually moved in the same direction. SFYF charges 0.29%/yr vs 0.13%/yr for XLY.

Performance

SFYF vs. XLY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SoFi Social 50 ETF (SFYF) and Consumer Discretionary Select Sector SPDR Fund (XLY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SFYF achieves a 11.41% return, which is significantly higher than XLY's -0.54% return.

SFYF

• 1D: 3.01%
• 1M: 0.57%
• 6M: 14.10%
• YTD: 11.41%
• 1Y: 28.77%
• 3Y*: 29.84%
• 5Y*: 10.87%
• 10Y*: —
• ALL TIME*: 17.86%

XLY

• 1D: 0.07%
• 1M: 1.00%
• 6M: -1.84%
• YTD: -0.54%
• 1Y: 9.05%
• 3Y*: 12.22%
• 5Y*: 6.23%
• 10Y*: 12.40%
• ALL TIME*: 9.65%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
SFYF SoFi Social 50 ETF	$152.71K	$195.32K	$232.95K
XLY Consumer Discretionary Select Sector SPDR Fund	$1.02B	$994.83M	$950.85M

SFYF vs. XLY - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
SFYF SoFi Social 50 ETF	11.41%	30.00%	44.62%	56.80%	-47.73%	35.83%	33.65%	5.50%
XLY Consumer Discretionary Select Sector SPDR Fund	-0.54%	7.37%	26.51%	39.64%	-36.27%	27.93%	29.63%	7.76%

Correlation

The correlation between SFYF and XLY is 0.74, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.74
Correlation (3Y) Balances recent behavior with more history.	0.82
Correlation (5Y) Shows whether the relationship held over a longer period.	0.85
Correlation (All Time) Calculated using the full available price history since May 8, 2019	0.83

The correlation between SFYF and XLY shifts across timeframes, from 0.74 (1 year) to 0.85 (5 years), reflecting how their relationship changes across market environments.

SFYF vs. XLY - Sectors Allocation Comparison

Sectors	SFYF	XLY
Technology	37.7%	1.1%
Consumer Cyclical	23.3%	97.1%
Communication Services	10.9%	1.7%
Financial Services	8.5%	-
Consumer Defensive	7.0%	-
Healthcare	6.1%	-
Industrials	3.5%	0.1%
Energy	1.8%	-
Real Estate	1.3%	-
Basic Materials	-	-
Utilities	-	-

Return for Risk

SFYF vs. XLY — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

SFYF

SFYF Risk / Return Rank: 47
SFYF Sharpe Ratio Rank: 50
SFYF Sortino Ratio Rank: 47
SFYF Omega Ratio Rank: 47
SFYF Calmar Ratio Rank: 47
SFYF Martin Ratio Rank: 44

XLY

XLY Risk / Return Rank: 20
XLY Sharpe Ratio Rank: 20
XLY Sortino Ratio Rank: 20
XLY Omega Ratio Rank: 19
XLY Calmar Ratio Rank: 20
XLY Martin Ratio Rank: 21

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

SFYF vs. XLY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Social 50 ETF (SFYF) and Consumer Discretionary Select Sector SPDR Fund (XLY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	SFYF	XLY	Difference
Sharpe ratio: Return per unit of total volatility	1.40	0.47	+0.93
Sortino ratio: Return per unit of downside risk	1.92	0.78	+1.14
Omega ratio: Gain probability vs. loss probability	1.24	1.09	+0.15
Calmar ratio: Return relative to maximum drawdown	1.90	0.61	+1.30
Martin ratio: Return relative to average drawdown	5.41	1.64	+3.78

SFYF vs. XLY - Sharpe Ratio Comparison

The current SFYF Sharpe Ratio is 1.40, which is higher than the XLY Sharpe Ratio of 0.47. The chart below compares the historical Sharpe Ratios of SFYF and XLY, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SFYF vs. XLY - Drawdown Comparison

The maximum SFYF drawdown since its inception was -56.09%, smaller than the maximum XLY drawdown of -59.05%. Use the drawdown chart below to compare losses from any high point for SFYF and XLY.

Drawdown Indicators

	SFYF	XLY	Difference
Max Drawdown Largest peak-to-trough decline	-56.09%	-59.05%	+2.96%
Max Drawdown (1Y) Largest decline over 1 year	-15.18%	-14.98%	-0.20%
Max Drawdown (3Y) Largest decline over 3 years	-26.45%	-26.01%	-0.44%
Max Drawdown (5Y) Largest decline over 5 years	-56.09%	-39.67%	-16.42%
Max Drawdown (10Y) Largest decline over 10 years	—	-39.67%	—
Current Drawdown Current decline from peak	-4.63%	-4.62%	-0.01%
Average Drawdown Average peak-to-trough decline	-16.34%	-9.54%	-6.80%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.33%	5.55%	-0.22%

Volatility

SFYF vs. XLY - Volatility Comparison

The current volatility for SoFi Social 50 ETF (SFYF) is 6.99%, while Consumer Discretionary Select Sector SPDR Fund (XLY) has a volatility of 7.43%. This indicates that SFYF experiences smaller price fluctuations and is considered to be less risky than XLY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SFYF	XLY	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.99%	7.43%	-0.44%
Volatility (6M) Calculated over the trailing 6-month period	16.40%	15.14%	+1.26%
Volatility (1Y) Calculated over the trailing 1-year period	20.69%	19.44%	+1.25%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.44%	24.08%	+5.36%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.59%	22.18%	+8.41%

SFYF vs. XLY - Expense Ratio Comparison

SFYF has a 0.29% expense ratio, which is higher than XLY's 0.13% expense ratio.

Dividends

SFYF vs. XLY - Dividend Comparison

SFYF's dividend yield for the trailing twelve months is around 0.36%, less than XLY's 0.76% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SFYF SoFi Social 50 ETF	0.36%	0.33%	0.31%	1.71%	1.19%	0.26%	0.40%	0.73%	0.00%	0.00%	0.00%	0.00%
XLY Consumer Discretionary Select Sector SPDR Fund	0.76%	0.79%	0.72%	0.78%	1.00%	0.53%	0.82%	1.28%	1.34%	1.20%	1.71%	1.43%

Frequently Asked Questions

Can I hold both SFYF and XLY in my portfolio?

SFYF and XLY have a correlation of 0.74, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SFYF or XLY?

XLY has higher volatility (7.43%) compared to SFYF (6.99%). In terms of maximum drawdown, SFYF dropped -56.09% vs XLY's -59.05%.

Which ETF is better, SFYF or XLY?

On 5-year performance, SFYF leads with 10.87% vs 6.23% for XLY. On fees, XLY is cheaper at 0.13% per year. On volatility, SFYF has been the lower-risk option at 6.99%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, SFYF or XLY?

Over the 5-year period, SFYF has performed better with a 10.87% return vs 6.23%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, SFYF or XLY?

XLY is cheaper with a 0.13% expense ratio, compared with 0.29% for SFYF.

Which ETF pays a higher dividend yield, SFYF or XLY?

XLY has the higher dividend yield at 0.76%, compared with 0.36% for SFYF.

What is the main difference between SFYF and XLY?

SFYF is categorized as Large Cap Growth Equities, while XLY is Consumer Discretionary Equities. SFYF tracks SoFi Social 50 Index, while XLY tracks Consumer Discretionary Select Sector Index. They also come from different issuers: Toroso Investments and State Street. Their fees differ too: 0.29% for SFYF and 0.13% for XLY.

Which has better risk-adjusted returns?

SFYF currently has the higher Sharpe Ratio (1.40 vs 0.47), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.