SCHD vs XLY: how much do they overlap?
Schwab U.S. Dividend Equity ETF (SCHD) · Consumer Discretionary Select Sector SPDR ETF (XLY)
overlap by weight · 4 shared holdings
SCHD: 97 holdings (as of 2026-02-28) · XLY: 47 holdings (as of 09-Jul-2026)
Note: the two funds' latest official filings have different dates, which can understate overlap slightly for funds tracking similar indexes.
Low overlap
What this means
SCHD and XLY hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Overlap by weight sums the smaller of the two funds' weights for every stock they both hold — it answers "how much of my money is in the same stocks either way?" See methodology.
Top shared holdings
| Company | Ticker | in SCHD | in XLY |
|---|---|---|---|
| Home Depot Inc/The | HD | 3.72% | 5.62% |
| Ford Motor Co | F | 1.98% | 1.33% |
| Darden Restaurants Inc | DRI | 0.89% | 0.57% |
| Best Buy Co Inc | BBY | 0.43% | 0.39% |
FAQ
How much do SCHD and XLY overlap?
SCHD and XLY have a 6% overlap by weight, sharing 4 holdings (out of 97 in SCHD and 47 in XLY), based on official issuer holdings as of 2026-02-28.
What does 6% overlap mean?
SCHD and XLY hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Which stocks do SCHD and XLY both hold?
The largest shared positions are Home Depot Inc/The, Ford Motor Co, Darden Restaurants Inc, Best Buy Co Inc. The full list of top shared holdings with weights in each fund is shown on this page.