XLY vs. TRUD

Last updated Jun 5, 2026

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

Performance

XLY vs. TRUD - Performance Comparison

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

Returns By Period

In the year-to-date period, XLY achieves a -1.60% return, which is significantly lower than TRUD's 0.19% return.

XLY

• 1D: 0.45%
• 1M: -0.69%
• YTD: -1.60%
• 6M: -1.13%
• 1Y: 10.01%
• 3Y*: 15.13%
• 5Y*: 7.39%
• 10Y*: 12.63%

TRUD

• 1D: 0.59%
• 1M: -1.87%
• YTD: 0.19%
• 6M: 0.64%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

XLY vs. TRUD - Yearly Performance Comparison

	2026 (YTD)	2025
XLY Consumer Discretionary Select Sector SPDR Fund	-1.60%	5.96%
TRUD VanEck Consumer Discretionary TruSector ETF	0.19%	6.73%

Correlation

The correlation between XLY and TRUD 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

XLY vs. TRUD - Sectors Allocation Comparison

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

Return for Risk

XLY vs. TRUD — Risk / Return Rank

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

XLY

XLY Risk / Return Rank: 18
XLY Sharpe Ratio Rank: 19
XLY Sortino Ratio Rank: 18
XLY Omega Ratio Rank: 18
XLY Calmar Ratio Rank: 18
XLY Martin Ratio Rank: 20

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.

XLY vs. TRUD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Consumer Discretionary Select Sector SPDR Fund (XLY) and VanEck Consumer Discretionary TruSector ETF (TRUD). 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.

	XLY	TRUD	Difference
Sharpe ratio: Return per unit of total volatility	0.55	—	—
Sortino ratio: Return per unit of downside risk	0.89	—	—
Omega ratio: Gain probability vs. loss probability	1.10	—	—
Calmar ratio: Return relative to maximum drawdown	0.67	—	—
Martin ratio: Return relative to average drawdown	2.11	—	—
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

Sharpe Ratios by Period

	XLY	TRUD	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.55	—	—
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	0.43	0.44	-0.01

Drawdowns

XLY vs. TRUD - Drawdown Comparison

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

Drawdown Indicators

	XLY	TRUD	Difference
Max Drawdown Largest peak-to-trough decline	-59.05%	-15.96%	-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	-5.64%	-4.75%	-0.89%
Average Drawdown Average peak-to-trough decline	-9.56%	-4.32%	-5.24%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.76%	—	—

Volatility

Volatility by Period

	XLY	TRUD	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.17%	—	—
Volatility (6M) Calculated over the trailing 6-month period	13.10%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	18.16%	20.58%	-2.42%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	23.78%	20.58%	+3.20%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	22.05%	20.58%	+1.47%

XLY vs. TRUD - Expense Ratio Comparison

XLY has a 0.13% expense ratio, which is lower than TRUD's 0.16% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

XLY vs. TRUD - Dividend Comparison

XLY's dividend yield for the trailing twelve months is around 0.76%, more than TRUD's 0.34% 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 XLY and TRUD in my portfolio?

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

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, XLY or TRUD?

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

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

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

What is the main difference between XLY and TRUD?

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