XLYI vs. RTH

Last updated Jul 18, 2026

XLYI (State Street Consumer Discretionary Select Sector SPDR Premium Income ETF) and RTH (VanEck Vectors Retail ETF) are both exchange-traded funds - XLYI is a Derivative Income fund actively managed by State Street, while RTH is a Consumer Discretionary Equities fund tracking the MVIS US Listed Retail 25 Index. XLYI is actively managed, while RTH is passively managed. A 0.65 correlation means they provide meaningful diversification when combined. Both charge a 0.35% expense ratio.

Performance

XLYI vs. RTH - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street Consumer Discretionary Select Sector SPDR Premium Income ETF (XLYI) and VanEck Vectors Retail ETF (RTH). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, XLYI achieves a -1.01% return, which is significantly lower than RTH's 4.62% return.

XLYI

• 1D: -1.08%
• 1M: 0.81%
• 6M: -3.40%
• YTD: -1.01%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

RTH

• 1D: -0.76%
• 1M: 2.18%
• 6M: -1.27%
• YTD: 4.62%
• 1Y: 11.03%
• 3Y*: 15.05%
• 5Y*: 9.19%
• 10Y*: 13.75%

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

XLYI vs. RTH - Yearly Performance Comparison

	2026 (YTD)	2025
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF	-1.01%	5.63%
RTH VanEck Vectors Retail ETF	4.62%	4.17%

Correlation

The correlation between XLYI and RTH is 0.65, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025	0.65

XLYI vs. RTH - Sectors Allocation Comparison

Sectors	XLYI	RTH
Financial Services	99.2%	-
Basic Materials	-	-
Communication Services	-	-
Consumer Cyclical	-	57.2%
Consumer Defensive	-	26.8%
Energy	-	-
Healthcare	-	13.4%
Industrials	-	2.6%
Real Estate	-	-
Technology	-	-
Utilities	-	-

Return for Risk

XLYI vs. RTH — Risk / Return Rank

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

XLYI

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

RTH

RTH Risk / Return Rank: 31
RTH Sharpe Ratio Rank: 30
RTH Sortino Ratio Rank: 30
RTH Omega Ratio Rank: 28
RTH Calmar Ratio Rank: 34
RTH Martin Ratio Rank: 34

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.

XLYI vs. RTH - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street Consumer Discretionary Select Sector SPDR Premium Income ETF (XLYI) and VanEck Vectors Retail ETF (RTH). 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.

	XLYI	RTH	Difference
Sharpe ratio: Return per unit of total volatility	—	0.88	—
Sortino ratio: Return per unit of downside risk	—	1.36	—
Omega ratio: Gain probability vs. loss probability	—	1.16	—
Calmar ratio: Return relative to maximum drawdown	—	1.42	—
Martin ratio: Return relative to average drawdown	—	4.07	—

Drawdowns

XLYI vs. RTH - Drawdown Comparison

The maximum XLYI drawdown since its inception was -12.32%, smaller than the maximum RTH drawdown of -42.32%. Use the drawdown chart below to compare losses from any high point for XLYI and RTH.

Drawdown Indicators

	XLYI	RTH	Difference
Max Drawdown Largest peak-to-trough decline	-12.32%	-42.32%	+30.00%
Max Drawdown (1Y) Largest decline over 1 year	—	-7.83%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-13.80%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.00%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-25.00%	—
Current Drawdown Current decline from peak	-4.54%	-3.31%	-1.23%
Average Drawdown Average peak-to-trough decline	-3.16%	-7.33%	+4.17%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	2.72%	—

Volatility

Volatility by Period

	XLYI	RTH	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	4.74%	—
Volatility (6M) Calculated over the trailing 6-month period	—	9.88%	—
Volatility (1Y) Calculated over the trailing 1-year period	15.66%	12.57%	+3.09%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.66%	16.89%	-1.23%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.66%	17.57%	-1.91%

XLYI vs. RTH - Expense Ratio Comparison

Both XLYI and RTH have an expense ratio of 0.35%.

Dividends

XLYI vs. RTH - Dividend Comparison

XLYI's dividend yield for the trailing twelve months is around 14.90%, more than RTH's 0.93% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RTH VanEck Vectors Retail ETF	0.93%	0.97%	0.77%	1.07%	1.16%	0.78%	0.64%	0.91%	1.05%	1.56%	1.84%	2.25%
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF	14.90%	6.76%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both XLYI and RTH in my portfolio?

XLYI and RTH have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, XLYI or RTH?

Both ETFs have the same 0.35% expense ratio. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, XLYI or RTH?

XLYI and RTH have the same expense ratio: 0.35% per year.

Which ETF pays a higher dividend yield, XLYI or RTH?

XLYI has the higher dividend yield at 14.90%, compared with 0.93% for RTH.

What is the main difference between XLYI and RTH?

XLYI is categorized as Derivative Income, while RTH is Consumer Discretionary Equities. They also come from different issuers: State Street and VanEck.