etf overlap tool · little overlap
XLF vs XLY overlap
XLF and XLY hold no company in common, and share no sector either: XLF is 100% Financials, XLY 100% Consumer Discretionary.
Holdings as of October 16, 2026 · source: SPDR (XLF), SPDR (XLY) · How we measured all 1,431 pairs
- same money
- same companies, extra weight
- only in this fund
Hold XLF and XLY with other funds or stocks? The free portfolio optimizer opens XLF and XLY beside the rest of what you own: the companies you hold twice, what the funds cost a year, and where the next deposit should go. No account.
What only one of them gives you
JPMJPMORGAN CHASE + CO11.54%
MAMASTERCARD INC A6.38%
WFCWELLS FARGO + CO3.24%
AMZNAMAZON.COM INC22.73%
TSLATESLA INC17.11%
HDHOME DEPOT INC5.28%
TJXTJX COMPANIES INC4.39%
MCDMCDONALD S CORP4.30%
SBUXSTARBUCKS CORP3.00%
LOWLOWE S COS INC2.98%No stock and no sector in common
XLF and XLY: what people ask
How much do XLF and XLY overlap?
None by holdings, as of October 16, 2026: no company appears in both funds. They share no sector either.
Which stocks do XLF and XLY both hold?
None. XLF and XLY have no holding in common.
Is it redundant to hold both XLF and XLY?
No. Out of every $100 split evenly between them, none buys the same company. Half in each gives you 124 different holdings that behave like 27 equally weighted stocks, against 19 for XLF alone and 10 for XLY alone. Whether that mix suits you depends on what you want to own; this is a description, not advice.
How is ETF overlap calculated here?
For every company held by both funds we take the smaller of its two weights and add them up. The weights come from the full holdings files SPDR publish, not a top-10 sample, and companies are matched by their ISIN so share classes stay apart. Sector overlap applies the same rule to the issuers' sector labels; "behaves like N equally weighted stocks" is one over the sum of the squared weights.
Weights come from each issuer's published holdings file and are matched company by company on their ISIN. Cash, futures and currency positions are left out. This page describes what the funds hold; it is not investment advice.