TMH vs. XLY

Last updated Jun 24, 2026

TMH (Toyota Motor Corporation ADRhedged) and XLY (Consumer Discretionary Select Sector SPDR Fund) are both Consumer Discretionary Equities funds - TMH tracks the Toyota Motor Corporation Local Shares Total Return while XLY tracks the Consumer Discretionary Select Sector Index. Both are passively managed. Their correlation of 0.92 suggests significant overlap in exposure. TMH charges 0.19%/yr vs 0.13%/yr for XLY.

Performance

TMH vs. XLY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Toyota Motor Corporation ADRhedged (TMH) and Consumer Discretionary Select Sector SPDR Fund (XLY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

TMH

• 1D: -1.80%
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XLY

• 1D: -1.03%
• 1M: -4.36%
• YTD: -4.35%
• 6M: -6.51%
• 1Y: 6.94%
• 3Y*: 12.11%
• 5Y*: 6.04%
• 10Y*: 12.73%

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

TMH vs. XLY - Yearly Performance Comparison

	2026 (YTD)
TMH Toyota Motor Corporation ADRhedged	-9.71%
XLY Consumer Discretionary Select Sector SPDR Fund	-6.22%

Correlation

The correlation between TMH and XLY is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since May 28, 2026	0.92

Return for Risk

TMH vs. XLY — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TMH

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

XLY

XLY Risk / Return Rank: 14
XLY Sharpe Ratio Rank: 14
XLY Sortino Ratio Rank: 14
XLY Omega Ratio Rank: 13
XLY Calmar Ratio Rank: 14
XLY Martin Ratio Rank: 15

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

TMH vs. XLY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Toyota Motor Corporation ADRhedged (TMH) 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.

	TMH	XLY	Difference
Sharpe ratio: Return per unit of total volatility	—	0.38	—
Sortino ratio: Return per unit of downside risk	—	0.66	—
Omega ratio: Gain probability vs. loss probability	—	1.08	—
Calmar ratio: Return relative to maximum drawdown	—	0.47	—
Martin ratio: Return relative to average drawdown	—	1.40	—

Drawdowns

TMH vs. XLY - Drawdown Comparison

The maximum TMH drawdown since its inception was -10.20%, smaller than the maximum XLY drawdown of -59.05%. Use the drawdown chart below to compare losses from any high point for TMH and XLY.

Drawdown Indicators

	TMH	XLY	Difference
Max Drawdown Largest peak-to-trough decline	-10.20%	-59.05%	+48.85%
Max Drawdown (1Y) Largest decline over 1 year	—	-14.98%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-26.01%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-39.67%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-39.67%	—
Current Drawdown Current decline from peak	-10.20%	-8.28%	-1.92%
Average Drawdown Average peak-to-trough decline	-5.78%	-9.55%	+3.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	4.97%	—

Volatility

Volatility by Period

	TMH	XLY	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	6.48%	—
Volatility (6M) Calculated over the trailing 6-month period	—	13.82%	—
Volatility (1Y) Calculated over the trailing 1-year period	25.94%	18.55%	+7.39%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	25.94%	23.91%	+2.03%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	25.94%	22.09%	+3.85%

TMH vs. XLY - Expense Ratio Comparison

TMH has a 0.19% expense ratio, which is higher than XLY's 0.13% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

TMH vs. XLY - Dividend Comparison

TMH's dividend yield for the trailing twelve months is around 5.28%, more than XLY's 0.79% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TMH Toyota Motor Corporation ADRhedged	5.28%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
XLY Consumer Discretionary Select Sector SPDR Fund	0.79%	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 TMH and XLY in my portfolio?

With a correlation of 0.92, TMH and XLY move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which ETF is better, TMH or XLY?

On fees, XLY is cheaper at 0.13% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, TMH or XLY?

XLY is cheaper with a 0.13% expense ratio, compared with 0.19% for TMH.

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

TMH has the higher dividend yield at 5.28%, compared with 0.79% for XLY.

What is the main difference between TMH and XLY?

TMH tracks Toyota Motor Corporation Local Shares Total Return, while XLY tracks Consumer Discretionary Select Sector Index. They also come from different issuers: ADRhedged and State Street. Their fees differ too: 0.19% for TMH and 0.13% for XLY.