TradeTrade
Jump to any asset 849 assets, updated daily

As of September 15, 2026, State Street Consumer Discretionary Select Sector SPDR ETF (XLY) trades at $112.85. RSI at 30 is in oversold territory, and the price is below its 50-day average of $115.85.

State Street Consumer Discretionary Select Sector SPDR ETF (XLY)

State Street Consumer Discretionary Select Sector SPDR ETF NYSE

$112.85 -0.1100 (-0.10%)
At close: Sep 14, 4:00 PM EDT
AI Analyst Consensus
Sell
25 / 100
The State Street Consumer Discretionary Select Sector SPDR ETF (XLY) offers targeted exposure to large-cap U.S. consumer discretionary companies, tracking the Consumer Discretionary Select Sector Index. This ETF is heavily concentrated in the consumer cyclical sector, with 98.83% of its assets allocated to this area, and a negligible 1.17% in technology. The fund's strategy is to mirror the performance of this segment of the U.S. equity market, providing investors with diversified access to non-essential spending businesses. As of September 2026, XLY has experienced a year-to-date return of -1.95%, underperforming its category's -1.29%.

XLY Price Analysis

Market Metrics

Open
$112.31
Day Range
$112.11 to $113.28
Prev Close
$112.96
Volume
5.28M
52-Week Range
$105.19 to $125.01
Market Cap
$14.27B

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.

Issuer
State Street Investment Management
Category
Consumer Cyclical
Inception
Dec 16, 1998
Expense ratio
0.08%
Net assets
$22.75B
NAV
$112.47
Distribution yield
0.77%
YTD return
-1.95%
Turnover
10.00%

Sector weights

Technology 1.2%
Consumer Cyclical 98.8%

Trailing returns vs category

Period XLY Category
YTD -1.95% -1.29%
1 month 0.48% 7.91%
3 months -3.36% -1.59%
1 year 1.42% 14.89%
3 years 11.85% 13.04%
5 years 5.76% 2.49%
10 years 12.37% 10.82%

Fund reference data as of Sep 15, 2026. Expense ratio and net assets are reported by the fund; returns are total returns and can differ from price change.

XLY Analysis

AI Technical Analysis Sell
XLY is currently trading below its 50-day simple moving average of $115.85 and its 200-day simple moving average of $116.98, indicating a bearish trend. The price is also below the 20-day exponential moving average of $115.04. The Relative Strength Index (RSI) is at 30.32, which is considered bearish momentum, and the Stochastic Oscillator is at 24.24, suggesting oversold conditions. The Moving Average Convergence Divergence (MACD) is at -1.04, further supporting a negative short-term outlook.
ProTips
  • Monitor consumer confidence and retail sales data closely for signs of a potential rebound in discretionary spending.
  • Consider the ETF's high concentration in consumer cyclicals as a key risk factor, especially in uncertain economic environments.
  • Evaluate the performance of the underlying S&P 500 Consumer Discretionary Select Sector Index for broader sector trends.
  • Compare XLY's expense ratio and performance against other consumer discretionary ETFs.
Market Outlook
The outlook for XLY is cautiously bearish in the short to medium term, given its current technical positioning below key moving averages and bearish momentum indicators. The ETF's heavy concentration in consumer discretionary stocks makes it sensitive to economic slowdowns, which could further pressure prices. A potential catalyst for a turnaround would be a significant improvement in consumer confidence or a shift in monetary policy easing that stimulates spending. However, without such catalysts, XLY may continue to face headwinds, potentially testing lower support levels.

Market Correlations

How this etf moves relative to other assets

Based on 1 year of daily price data. Correlations may vary over different time periods.

S&P 500 (SPY) +0.85
Strong correlation
Nasdaq 100 (QQQ) +0.79
Strong correlation
Bitcoin (BTC) +0.32
Weak correlation
Gold (XAU) +0.08
Weak correlation
Check Custom Correlation

How does any other asset move with XLY? One year of daily closes, Pearson correlation.

Try

Key Statistics

Net Assets (Market Cap) 14.27B
Expense Ratio 0.0900%
Yield 0.80%
Day High $113.28
Day Low $112.11
52 Week High 125.01
52 Week Low 105.19
The State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is a significant vehicle for gaining exposure to the consumer cyclical sector, which constitutes 98.83% of its holdings. This sector is sensitive to economic cycles, and its performance is closely tied to consumer confidence and disposable income. The fund's net assets stand at $22.75 billion, with an expense ratio of 0.08%, costing $8.00 per $10,000 invested. The ETF's overview highlights its role in providing diversified access to companies involved in retail, media, hotels, restaurants, and automobiles, making it a barometer for non-essential consumer spending.

Earnings & Growth Analysis

Its performance is influenced by the aggregate earnings trends of the consumer discretionary companies it holds. As of September 2026, the ETF's year-to-date return is -1.95%, suggesting that the underlying companies may be facing headwinds or slower earnings growth compared to previous periods. The fund's trailing 1-year return of 1.42% also lags its category's 14.88%, potentially reflecting a broader slowdown in consumer spending or sector-specific challenges impacting earnings expectations.

Key Risks

The primary risk for XLY lies in its high concentration within the consumer cyclical sector, making it vulnerable to economic downturns and shifts in consumer spending habits. A significant portion of its assets are in companies whose performance is directly tied to discretionary purchases, which are often the first to be cut during periods of economic uncertainty. Also, the ETF's current technical indicators, including its position below key moving averages and a bearish RSI, suggest potential for further downside risk in the short term.

Technical Indicators i

RSI (14) 30.32
MACD -1.04
SMA 50 115.85
SMA 200 116.98
Technical Rating Bearish
RSI
Bearish
SMA Cross
Neutral
Price vs SMA
Bearish
MACD
Bearish
Price is trading below the 50-day SMA.

XLY Trade Plans

Specific entry, exit, and risk management levels

Select Your Trade Bias
Risk Tolerance
Conservative 2% Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →

Short entry pick an entry style

Conservative
$115.11
2% above current price
Lower risk, wait for rally
Aggressive
$112.85
Short at current price
Higher risk, chasing the move

Risk Management

STOP LOSS
$118.56
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (30.3) and current market volatility

Profit Targets (Based on Conservative Entry)

TARGET 1
$109.35
-5% (Conservative)
-3.1% (Aggressive)
TARGET 2
$103.60
-10% (Conservative)
-8.2% (Aggressive)
TARGET 3
$97.84
-15% (Conservative)
-13.3% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
ETF Investment Disclaimer
This AI-generated analysis of XLY is for educational purposes only and does not constitute investment advice. ETFs are subject to market risk including possible loss of principal. Performance depends on the underlying index or assets tracked. Read the fund prospectus before investing. Past performance does not guarantee future results. Generated on September 15, 2026.

Growth of $10,000

A $10,000 investment in XLY in September 2016 would be worth about $28,577 today, compared with about $35,344 for the same investment in the S&P 500 benchmark.

Compare with Another Ticker

Monte Carlo Projection (10yr)

CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in XLY today could grow to about $23,970 by 2036 in the base case, with a bull case near $59,142 and a bear case around $9,715. Projections are statistical simulations, not guarantees.

XLY ETF Price Prediction: 2030

CleaRank's simulation projects a price near $160 for XLY by 2030 in the base case, from $113 today (1.4x over 4 years). The downside path ends near $90.43. 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.

XLY simulated price paths by year
Year Downside (10th pct) Base case Upside (90th pct)
2027 $92.56 $123 $164
2028 $89.75 $134 $201
2029 $89.45 $147 $241
2030 $90.43 $160 $283
2031 $92.26 $175 $331
2032 $94.73 $191 $384
2033 $97.75 $208 $443
2034 $101 $227 $509
2035 $105 $248 $584
2036 $110 $271 $667

Method: 10,000 simulated price paths using XLY's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.

People Also Watch

Frequently Asked Questions

What is the expense ratio for the XLY ETF and what does it cost per $10,000 invested?
The XLY ETF has an expense ratio of 0.08%. This translates to a cost of $8.00 per $10,000 invested annually.
What sectors does the XLY ETF hold and how concentrated is it?
The XLY ETF is heavily concentrated in the Consumer Cyclical sector, representing 98.83% of its holdings. A small portion, 1.17%, is allocated to the Technology sector.
What is the distribution yield for the XLY ETF?
The XLY ETF has a distribution yield of 0.78%.
How has the XLY ETF performed against its category over different periods?
In the year-to-date period, XLY returned -1.95% compared to its category's -1.29%. Over the past year, XLY returned 1.42% while its category returned 14.88%. The 3-year trailing return for XLY is 11.85% versus 13.04% for its category, and over 10 years, XLY has returned 12.37% compared to the category's 10.82%.
What are the key technical levels for the XLY ETF?
XLY is currently trading below its 50-day SMA of $115.85 and its 200-day SMA of $116.98. The 20-day EMA is at $115.04. The RSI is at 30.32, indicating bearish momentum, and the Stochastic Oscillator is at 24.24, suggesting oversold conditions.
What is the price prediction for the XLY ETF in 2030?
Based on Monte Carlo simulations, the base case price prediction for XLY in 2030 is $160.09. The downside scenario suggests a price of $90.43, while the upside scenario projects $283.42. These are statistical simulation outcomes, not price targets or guarantees.
What is the current price and recent trading volume for XLY?
As of September 15, 2026, XLY is trading at $112.85. The latest trading volume was 5,276,300, which is 7.3% below its average volume.
What is the insider and institutional activity for XLY?
Data on insider and institutional activity for XLY is not provided in the current dataset.

Disclaimer: CleaRank.com is a financial data and analytics provider, not a registered investment advisor, broker-dealer, or financial regulatory body. The ETF analysis and AI-generated insights presented for XLY are for educational and informational purposes only and do not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. ETFs are subject to market risk, including the possible loss of principal. ETF performance depends on the underlying index or assets it tracks, and past performance does not guarantee future results. Expense ratios, tracking error, and liquidity vary by fund. All trade setups and performance metrics shown are hypothetical, hindsight-based, and simulated. Market data is provided "as-is" and may be delayed by 15 minutes or more. Investors should read the fund prospectus carefully before investing. Consult a qualified financial advisor for personalized guidance. Analysis generated on September 15, 2026.

Disclaimer:

Engaging in financial markets carries significant risk of total capital loss. Markets are volatile, unpredictable, and past success does not guarantee future results. Never invest funds you cannot afford to lose. CleaRank does not offer financial, investment, or advisory services. We provide no recommendations, endorsements, or guarantees regarding market outcomes. You alone are responsible for your decisions.

Advertiser Disclosure:

At CleaRank, clarity and transparency are more than ideals, they are the core of our operations. CleaRank is a paid SaaS platform: the Pro and Ultra workbench plans are paid subscriptions, while everything else on this site, including our trading calculators, tools and market news, is free to use. In the spirit of full disclosure: some of our free editorial content contains partner links, and we may earn affiliate commissions from them. This never affects what you pay. Please keep in mind that your confidence in our platform is what matters to us most and we are devoted to earning your trust every day through consistent transparency. CleaRank's Editorial team works independently from partner relationships and financial incentives. All material and information made available by CleaRank stem from our unique technology and methodology which are created to prioritize your needs as a trader and deliver actionable insights to help you make clearer decisions.