ETF·NYSE
State Street Consumer Discretionary Select Sector SPDR ETF (XLY)
- Net assets
- $21.27B
- Expense ratio
- 0.08%
- Yield
- 0.86%
- 52-week range
- $105.19 $125.01
The short version
Where XLY stands today, in four lines, and what CleaRank Financial AI makes of it.
XLY at a glance
State Street Consumer Discretionary Select Sector SPDR ETF (XLY): Hold, 41/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($113.87 and $115.89).
- Fund Expense ratio 0.08%, $21.3B in net assets, -8.4% total return over 1 year.
Figures as of October 16, 2026.
CleaRank Financial AI
CleaRank rates State Street Consumer Discretionary Select Sector SPDR ETF (XLY) Hold, with a model score of 41/100.
Cost lifts the score most: the expense ratio is 0.08%. The trend holds it back most: the price is 2.97% below its 200-day average and 1.24% below its 50-day average, and the 50-day average is 1.75% below the 200-day. The 50-day average stands at $113.87 and the 200-day at $115.89. Over the past year the price fell 3.24%.
Only on CleaRank
Figures we compute ourselves from XLY's own price history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
0/4Price above its 50-day average ›
The price of $112.45 is 1.2% below the 50-day simple moving average of $113.87.Price above its 200-day average ›
The price is 3.0% below the 200-day simple moving average of $115.89.50-day average above the 200-day ›
The 50-day average ($113.87) is 1.7% below the 200-day average ($115.89), the arrangement of a falling longer-term trend.In the upper half of its 52-week range ›
The price sits at 37% of its 52-week range, between $105.19 and $125.01.
XLY share price
Pick a period: each tab shows how far XLY has moved over it, to the last close.
Today's trading
Where XLY sits inside today's range and its 52-week range.
Fund facts and valuation
What the fund holds, what it costs and how it is valued.
Fund checks
3/5Expense ratio at or below 0.20% ›
The fund charges 0.08% a year, $8.00 on a $10,000 holding.Over $1B in net assets ›
Net assets total $21.3B.No sector above 35% of the fund ›
The largest sector, Consumer Cyclical, makes up 98.7% of the fund.Pays a distribution ›
The distribution yield is 0.86%.Positive return over one year ›
The fund family reports a one-year total return of -8.44%.
XLY Fund Facts
State Street Consumer Discretionary Select Sector SPDR ETF is an exchange-traded fund that provides targeted exposure to large-cap U.S. consumer discretionary companies. It seeks to track the performance of the Consumer Discretionary Select Sector Index, giving investors diversified access to businesses tied to non-essential spending across retail, media, hotels, restaurants, leisure, apparel, automobiles, and related services.
Sector weights
Trailing total returns
| Period | XLY |
|---|---|
| YTD | -8.28% |
| 1 month | -6.46% |
| 3 months | -7.02% |
| 1 year | -8.44% |
| 3 years | 11.50% |
| 5 years | 4.80% |
| 10 years | 11.66% |
As of Oct 16, 2026, XLY has an expense ratio of 0.08%, $21.27B in net assets and a distribution yield of 0.86%.
Fund reference data as of Oct 16, 2026. Expense ratio and net assets are reported by the fund; returns are total returns and can differ from price change.
Key statistics
The headline figures for XLY.
What the numbers say
CleaRank Financial AI's reading of XLY's holdings, performance and risks.
XLY is led by Consumer Cyclical, which makes up 98.7% of the fund, followed by Technology at 1.3%. Almost the whole fund is in that one sector, so XLY rises and falls with it. XLY is a Consumer Cyclical fund from State Street Investment Management, launched on December 16, 1998.
Cost and scale are the fund's basic facts. The expense ratio stands at 0.08%, or $8.00 a year on a $10,000 holding. Net assets come to $21.3B, and the distribution yield is 0.86%. Turnover in the portfolio is 10%.
Concentration matters here: Consumer Cyclical makes up 98.7% of the fund, so a setback in that sector would weigh on the whole. XLY's average daily move is 0.88%. The downtrend is itself a risk for as long as the price stays under both moving averages. Over the past year the price fell 3.24%.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
2/3RSI not overbought or oversold ›
The 14-day RSI is 51.8, in neutral territory.RSI above 50 ›
An RSI of 51.8 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of XLY
The score, the reasoning behind it, and what could move the price next.
XLY, State Street Consumer Discretionary Select Sector SPDR ETF, shows a downtrend: both moving averages lie above the price. At $112.45, the fund is 1.24% below its 50-day average of $113.87 and 2.97% below its 200-day average of $115.89. Today's price sits at 37% of the way up its 52-week range, which runs from $105.19 to $125.01.
Recent gains sit against a weaker longer record: the price rose 2.06% over the past month, fell 2.59% over the past three months and fell 3.24% over the past year. The price fell 0.85% in the last session on volume 120.5% above its average. On momentum, the 14-day RSI reads 51.8, in the neutral zone, with the MACD line negative.
- Keep an eye on the two closest levels. The 50-day SMA at $113.87 sits above the price, and the 20-day EMA at $111.84 sits below it.
- A 14-day RSI of 51.8 falls in the neutral zone, and the MACD line is negative. Momentum is only considered stretched above 70 or below 30.
- Fees add up over time. At an expense ratio of 0.08% a year, XLY costs $8.00 on every $10,000 invested.
XLY stays in a downtrend for as long as it trades below both its 50-day average at $113.87 and its 200-day average at $115.89. A close back above the 50-day would be the first sign of a repair. The 50-day SMA at $113.87 is the first level the price would have to clear on the way up.
Should prices fall, the 20-day EMA at $111.84 is the first level the price would meet. The 14-day RSI stands at 51.8, which places it in the neutral band between 40 and 60.
Technical indicators
Momentum and trend for XLY, from its daily closes.
As of October 16, 2026, with XLY at $112.45, its 14-day RSI is 51.8 (neutral territory), its 50-day simple moving average is $113.87 and its 200-day is $115.89.
Calculated by CleaRank on daily closes as of October 16, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What XLY moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 16, 2026, XLY's 1-year correlation of daily returns is +0.85 with S&P 500 (SPY), +0.78 with Nasdaq 100 (QQQ), +0.33 with Bitcoin (BTC) and +0.11 with gold (XAU).
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
XLY trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from XLY's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much XLY tends to move, against the market and on its own.
The long record
XLY's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 0.88% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 38.5%, from November 2021 to December 2022, regained by September 2024.Most 1-year holds ended higher ›
83% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $35,256, against $42,525 in the S&P 500 (SPY).
XLY Drawdowns & Recovery
As of October 16, 2026, XLY's worst peak-to-trough fall over the last 10 years with dividends reinvested was -38.5% (November 2021 to December 2022); it regained that peak by September 2024, 21 months after the low, and 83% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into XLY in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: XLY trailed the S&P 500 over this period: $35,256 against $42,525.
A $10,000 investment in XLY in October 2016 would be worth about $35,256 today with dividends reinvested, compared with about $42,525 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to XLY, and which have not.
Strongest month, November: an average of +4.20%, up in 8 of 10 years.
Weakest month, March: an average of -1.84%, up in 5 of 10 years.
This month, October: has averaged -0.64%, up in 5 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, XLY's strongest calendar month has been November (average +4.20%, up in 8 of 10 years) and its weakest March (average -1.84%, up in 5 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in XLY, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in XLY today could grow to about $21,921 by 2036 in the base case, with a 90th-percentile outcome near $54,125 and a 10th-percentile outcome around $8,878. The simulation models price only; at today's 0.86% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
XLY 2030 Scenarios (Monte Carlo)
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $154 for XLY by 2030 in the base case, from $112 today (1.4x over 4 years). The 10th-percentile path ends near $86.90. These are outcomes of a Monte Carlo simulation run on XLY's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $91.39 | $122 | $162 | |
| 2028 | $87.82 | $132 | $197 | |
| 2029 | $86.74 | $142 | $233 | |
| 2030 | $86.90 | $154 | $273 | |
| 2031 | $87.87 | $166 | $315 |
Method: a lognormal simulation of XLY's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Questions people ask
Answered from the figures on this page, as of October 16, 2026.