VCR vs XLY: Holdings Overlap
VCRVanguard Consumer Discretionary Index Fund
Vanguard · 283 holdings · $6.2B · as of 2026-05-31
XLYState Street® Consumer Discretionary Select Sector SPDR® ETF
State Street (SPDR) · 47 holdings · $23.4B · as of 2026-08-06
Holdings snapshots are 67 days apart (VCR: 2026-05-31, XLY: 2026-08-06). Weights and index membership change between snapshots, so the true current overlap is typically higher than shown. For funds tracking the same index, the gap can be 5–15 points.
How similar are VCR and XLY?
Vanguard Consumer Discretionary Index Fund (VCR, by Vanguard) holds 283 positions; State Street® Consumer Discretionary Select Sector SPDR® ETF (XLY, by State Street (SPDR)) holds 47. They have 47 holdings in common, and by portfolio weight the two funds are 76.5% identical. In practical terms the pair is heavily overlapping, with largely the same stocks driving both funds.
- Overlap by Weight
- 76.5%Sum of the smaller weight of each shared holding
- Shared Holdings
- 47VCR holds 283 · XLY holds 47
- Weight in Shared Holdings
- VCR 79%·XLY 100%Share of each fund's weight in stocks both funds own
Based on each fund's latest official holdings. How is this calculated?
What makes each fund different
Only in VCR
236 of 283 positions (20.5% of the fund) are not held by XLY. Showing the top 30 by weight.
Only in XLY
Every position in XLY is also held by VCR, so it brings nothing the other fund doesn’t already own.
Sector Breakdown
| Sector | VCR | XLY |
|---|---|---|
| Consumer Discretionary | 99.6% | 99.9% |
| Industrials | 0.3% | 0.0% |
| Other Sectors | 0.0% | 0.0% |
Share of each fund's portfolio weight by GICS-style sector, compiled from issuer fund data and our own classification of the holdings, not the issuers' published sector charts.
Performance
| Fund | 1M | YTD | 1Y | 3Y (ann.) | 5Y (ann.) | 10Y (ann.) | Yield |
|---|---|---|---|---|---|---|---|
| VCR | +1.8% | +2.7% | +9.3% | +12.2% | +5.9% | +13.5% | 0.71% |
| XLY | +2.1% | +0.8% | +8.1% | +12.3% | +6.7% | +12.6% | 0.75% |
Total returns including dividends, from adjusted daily closes as of 2026-08-07. 3Y/5Y/10Y are annualized. Yield is trailing-12-month distributions over the last close. Past performance does not predict future results.
Project the growth of $10,000 in VCR vs XLY →
Shared Holdings(47)
The top 10 shared positions account for 75% of the overlap, led by AMZN, TSLA and HD.
 AMZNAmazon.com, Inc. COM | 24.41% | 25.21% | 24.41% |
|---|---|---|---|
 TSLATesla Inc COM | 17.72% | 14.82% | 14.82% |
 HDHome Depot, Inc. (The) | 4.57% | 5.74% | 4.57% |
 MCDMcDonald's Corp. COM | 2.90% | 4.22% | 2.90% |
 TJXThe TJX Companies Inc. COM | 2.52% | 4.17% | 2.52% |
 BKNGBooking Holdings Inc COM | 1.98% | 3.97% | 1.98% |
 LOWLowes Companies, Inc. COM | 1.77% | 3.02% | 1.77% |
 SBUXStarbucks Corp. COM | 1.67% | 2.96% | 1.67% |
 MARMarriott International, Inc., Class A | 1.28% | 1.95% | 1.28% |
 GMGeneral Motors Company COM | 1.17% | 1.94% | 1.17% |
 HLTHilton Worldwide Holdings Inc COM | 1.14% | 1.81% | 1.14% |
 ROSTRoss Stores Inc COM | 1.13% | 2.02% | 1.13% |
 RCLRoyal Caribbean Group COM USD0.01 | 1.11% | 1.98% | 1.11% |
 ORLYO'Reilly Automotive Inc. COM | 1.10% | 1.91% | 1.10% |
 FFord Motor Company COM | 1.05% | 1.33% | 1.05% |
 DASHDoorDash, Inc., Class A | 0.92% | 1.99% | 0.92% |
 ABNBAirbnb, Inc., Class A | 0.87% | 1.57% | 0.87% |
 NKENIKE, Inc., Class B | 0.84% | 1.25% | 0.84% |
 EBAYeBay Inc. COM | 0.76% | 1.21% | 0.76% |
 AZOAutozone, Inc. COM | 0.74% | 1.25% | 0.74% |
 CMGChipotle Mexican Grill, Inc., Class A | 0.65% | 1.07% | 0.65% |
 CVNACarvana Co., Class A | 0.64% | 1.21% | 0.64% |
 YUMYum! Brands Inc. COM | 0.64% | 1.04% | 0.64% |
 DHID.R. Horton, Inc. COM | 0.60% | 0.95% | 0.60% |
 GRMNGarmin Ltd COM CHF10.00 | 0.59% | 1.22% | 0.59% |
Frequently Asked Questions
How much do VCR and XLY overlap?
VCR and XLY overlap by 76.5% of portfolio weight. They share 47 holdings (VCR holds 283 positions and XLY holds 47), based on each fund's latest SEC-reported holdings.
Is it redundant to own both VCR and XLY?
The two portfolios are 76.5% identical by weight. Owning both mostly doubles down on the shared core rather than diversifying: the same large positions drive both funds.
What are the biggest shared holdings of VCR and XLY?
The largest positions held by both funds are AMZN, TSLA, HD, MCD and TJX. Together the top 10 shared positions account for 75% of the total overlap.
What does VCR own that XLY doesn't?
236 positions (20.5% of VCR) are unique to VCR, led by MELI, BURL and BWA. In the other direction, 0 positions (0.0% of XLY) are unique to XLY.