TRUD vs. XLY

Last updated Jun 4, 2026

TRUD (VanEck Consumer Discretionary TruSector ETF) and XLY (Consumer Discretionary Select Sector SPDR Fund) are both Consumer Discretionary Equities funds. TRUD is actively managed, while XLY is passively managed. With a 0.98 correlation, they move nearly in lockstep. TRUD charges 0.16%/yr vs 0.13%/yr for XLY.

Performance

TRUD vs. XLY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in VanEck Consumer Discretionary TruSector ETF (TRUD) 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, TRUD achieves a -0.40% return, which is significantly higher than XLY's -2.05% return.

TRUD

• 1D: -1.06%
• 1M: -2.09%
• YTD: -0.40%
• 6M: -0.46%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XLY

• 1D: -0.73%
• 1M: -0.84%
• YTD: -2.05%
• 6M: -1.92%
• 1Y: 9.22%
• 3Y*: 15.08%
• 5Y*: 7.29%
• 10Y*: 12.61%

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

TRUD vs. XLY - Yearly Performance Comparison

	2026 (YTD)	2025
TRUD VanEck Consumer Discretionary TruSector ETF	-0.40%	6.73%
XLY Consumer Discretionary Select Sector SPDR Fund	-2.05%	5.96%

Correlation

The correlation between TRUD and XLY is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (All Time) Calculated using the full available price history since Aug 22, 2025	0.98

TRUD vs. XLY - Sectors Allocation Comparison

Sectors	TRUD	XLY
Financial Services	51.3%	-
Consumer Cyclical	48.4%	97.5%
Communication Services	0.3%	1.4%
Technology	0.2%	0.9%
Industrials	0.0%	0.1%
Basic Materials	-	-
Consumer Defensive	-	-
Energy	-	-
Healthcare	-	-
Real Estate	-	-
Utilities	-	-

Return for Risk

TRUD vs. XLY — Risk / Return Rank

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

XLY

XLY Risk / Return Rank: 16
XLY Sharpe Ratio Rank: 16
XLY Sortino Ratio Rank: 16
XLY Omega Ratio Rank: 16
XLY Calmar Ratio Rank: 16
XLY Martin Ratio Rank: 18

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.

TRUD vs. XLY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for VanEck Consumer Discretionary TruSector ETF (TRUD) 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.

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

Sharpe Ratios by Period

	TRUD	XLY	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.51	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.31	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.57	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.40	0.43	-0.03

Drawdowns

TRUD vs. XLY - Drawdown Comparison

The maximum TRUD drawdown since its inception was -15.96%, smaller than the maximum XLY drawdown of -59.05%. Use the drawdown chart below to compare losses from any high point for TRUD and XLY.

Drawdown Indicators

	TRUD	XLY	Difference
Max Drawdown Largest peak-to-trough decline	-15.96%	-59.05%	+43.09%
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	-5.31%	-6.07%	+0.76%
Average Drawdown Average peak-to-trough decline	-4.32%	-9.56%	+5.24%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	4.75%	—

Volatility

Volatility by Period

	TRUD	XLY	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	5.15%	—
Volatility (6M) Calculated over the trailing 6-month period	—	13.09%	—
Volatility (1Y) Calculated over the trailing 1-year period	20.62%	18.16%	+2.46%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	20.62%	23.79%	-3.17%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	20.62%	22.05%	-1.43%

TRUD vs. XLY - Expense Ratio Comparison

TRUD has a 0.16% 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

TRUD vs. XLY - Dividend Comparison

TRUD's dividend yield for the trailing twelve months is around 0.34%, less than XLY's 0.76% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TRUD VanEck Consumer Discretionary TruSector ETF	0.34%	0.17%	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	0.76%	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 TRUD and XLY in my portfolio?

With a correlation of 0.98, TRUD 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, TRUD 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, TRUD or XLY?

XLY is cheaper with a 0.13% expense ratio, compared with 0.16% for TRUD.

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

XLY has the higher dividend yield at 0.76%, compared with 0.34% for TRUD.

What is the main difference between TRUD and XLY?

They also come from different issuers: VanEck and State Street. Their fees differ too: 0.16% for TRUD and 0.13% for XLY.