ETF comparison
VCR vs XLY
Both Consumer Discretionary.
Vanguard Consumer Discretionary Index Fund ETF Shares · State Street Consumer Discretionary Select Sector SPDR ETF
Holdings overlap
48 positions appear in both funds. Buying equal dollars of VCR and XLY would leave roughly 79.4% of each dollar exposed to the same underlying securities.
Side by side
State Street Consumer Discretionary Select Sector SPDR ETF
State Street · Consumer Discretionary
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
XLY is 1 bps cheaper than VCR. On a $100,000 position that's about $10/yr more in fees for VCR.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with VCR vs XLY.
Top shared holdings
48 shared in total| # | Holding | In VCR | In XLY | Overlap |
|---|---|---|---|---|
| 1 | Amazon.com Inc | 21.05% | 23.53% | 21.05% |
| 2 | Tesla Inc | 16.62% | 18.97% | 16.62% |
| 3 | Home Depot Inc/The | 5.31% | 5.94% | 5.31% |
| 4 | McDonald's Corp | 3.69% | 4.49% | 3.69% |
| 5 | TJX Cos Inc/The | 2.74% | 4.41% | 2.74% |
| 6 | Lowe's Cos Inc | 2.26% | 3.30% | 2.26% |
| 7 | Booking Holdings Inc | 2.09% | 3.38% | 2.09% |
| 8 | Starbucks Corp | 1.70% | 2.54% | 1.70% |
| 9 | Royal Caribbean Cruises Ltd | 1.24% | 1.72% | 1.24% |
| 10 | O'Reilly Automotive Inc | 1.24% | 1.93% | 1.24% |
| 11 | Marriott International Inc/MD | 1.23% | 1.79% | 1.23% |
| 12 | General Motors Co | 1.17% | 1.68% | 1.17% |
Only in VCR
238 total- MercadoLibre Inc 1.23%
- Burlington Stores Inc 0.34%
- Tempur Sealy International Inc 0.31%
- Flutter Entertainment PLC 0.29%
- Toll Brothers Inc 0.28%
- Dick's Sporting Goods Inc 0.25%
- BorgWarner Inc 0.24%
- Five Below Inc 0.24%
- TopBuild Corp 0.23%
- Texas Roadhouse Inc 0.23%
Only in XLY
1 total- State Street Global Advisors 0.08%
Open VCR or XLY at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.