XLYI vs. XLU
XLYI (State Street Consumer Discretionary Select Sector SPDR Premium Income ETF) and XLU (State Street Utilities Select Sector SPDR ETF) are both exchange-traded funds - XLYI is a Derivative Income fund actively managed by State Street, while XLU is a Utilities Equities fund tracking the Utilities Select Sector Index. XLYI is actively managed, while XLU is passively managed. At a 0.08 correlation, their price movements are largely independent. XLYI charges 0.35%/yr vs 0.08%/yr for XLU.
Performance
XLYI vs. XLU - Performance Comparison
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Returns By Period
In the year-to-date period, XLYI achieves a 0.08% return, which is significantly lower than XLU's 8.63% return.
XLYI
- 1D
- -0.63%
- 1M
- 1.48%
- 6M
- 0.99%
- YTD
- 0.08%
- 1Y
- —
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XLU
- 1D
- 2.21%
- 1M
- 5.36%
- 6M
- 7.40%
- YTD
- 8.63%
- 1Y
- 14.95%
- 3Y*
- 14.96%
- 5Y*
- 10.69%
- 10Y*
- 9.12%
XLYI vs. XLU - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF | 0.08% | 5.63% |
XLU State Street Utilities Select Sector SPDR ETF | 8.63% | 2.39% |
Correlation
The correlation between XLYI and XLU is 0.08, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025 | 0.08 |
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Return for Risk
XLYI vs. XLU — Risk / Return Rank
XLYI
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
XLU
XLYI vs. XLU - 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 State Street Utilities Select Sector SPDR ETF (XLU). 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 | XLU | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | — | |
| Sortino ratioReturn per unit of downside risk | — | — | |
| Omega ratioGain probability vs. loss probability | — | 1.19 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 1.73 | — |
| Martin ratioReturn relative to average drawdown | — | 3.64 | — |
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Drawdowns
XLYI vs. XLU - Drawdown Comparison
The maximum XLYI drawdown since its inception was -12.32%, smaller than the maximum XLU drawdown of -51.98%. Use the drawdown chart below to compare losses from any high point for XLYI and XLU.
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Drawdown Indicators
| XLYI | XLU | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -12.32% | -51.98% | +39.66% |
Max Drawdown (1Y)Largest decline over 1 year | — | -9.18% | — |
Max Drawdown (3Y)Largest decline over 3 years | — | -17.26% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.26% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -36.07% | — |
Current DrawdownCurrent decline from peak | -3.49% | -2.84% | -0.65% |
Average DrawdownAverage peak-to-trough decline | -3.13% | -10.21% | +7.08% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | — | 4.35% | — |
Volatility
XLYI vs. XLU - Volatility Comparison
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Volatility by Period
| XLYI | XLU | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | — | 4.68% | — |
Volatility (6M)Calculated over the trailing 6-month period | — | 12.07% | — |
Volatility (1Y)Calculated over the trailing 1-year period | 15.74% | 14.91% | +0.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.74% | 17.33% | -1.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.74% | 19.29% | -3.55% |
XLYI vs. XLU - Expense Ratio Comparison
XLYI has a 0.35% expense ratio, which is higher than XLU's 0.08% expense ratio.
Dividends
XLYI vs. XLU - Dividend Comparison
XLYI's dividend yield for the trailing twelve months is around 14.74%, more than XLU's 2.61% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
XLU State Street Utilities Select Sector SPDR ETF | 2.61% | 2.71% | 2.96% | 3.39% | 2.92% | 2.79% | 3.14% | 2.95% | 3.33% | 3.33% | 3.41% | 3.67% |
XLYI State Street Consumer Discretionary Select Sector SPDR Premium Income ETF | 14.74% | 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
XLYI and XLU have a correlation of 0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XLU is cheaper at 0.08% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XLU is cheaper with a 0.08% expense ratio, compared with 0.35% for XLYI.
XLYI has the higher dividend yield at 14.74%, compared with 2.61% for XLU.
XLYI is categorized as Derivative Income, while XLU is Utilities Equities. Their fees differ too: 0.35% for XLYI and 0.08% for XLU.
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