XLY
Consumer Discretionary SPDR
ETF / Index
Price today
$115.03
Recent high
$125.01
-8.0% from high · cheap vs its own history
charlieapp.co
Index ETFs don't have their own calculated Value. They hold hundreds of companies — we work out whether the group is expensive or cheap versus its history.
From high
-8%
all-time high
Cycle low
$61.88
historic floor
Premium
+86%
above the low
Current cycle zone
You are 8% below the all-time high, and 86% above the low of the cycle. The signal comes from where you sit in that range.
The floor of the cycle is at $61.88; the ceiling, at $125.01. The closer to the floor, the better the spot to build in slowly.
It has no intrinsic value from fundamentals — the range comes from price highs and lows. The final call is yours; buying gradually (DCA) means a little at a time.
The business
The thermometer for the American consumer's wallet in a single fund.
XLY is an exchange-traded fund that tracks the consumer discretionary sector within the index of large U.S. companies. It bundles into one basket companies from online retail, stores, autos, hotels, restaurants, and entertainment. It's the sector of things people buy when they have extra money, not the basics for living.
Its advantage as a vehicle is giving you access to dozens of consumer companies in a single purchase, at a low annual cost and with a lot of ease to buy and sell. Replicating this basket on your own would be expensive and complicated.
Catalysts and risks
When employment is strong and people have more disposable income, this type of consumption tends to accelerate.
The growth of online commerce and of leisure and travel services feeds the companies in the basket.
In the expansion phases of the economic cycle, investment flows tend to seek out consumer-sensitive sectors.
High concentration: a few very large companies can weigh too heavily on the fund and move its entire result.
It's a very cyclical sector: in recessions or when the cost of living rises, non-essential consumption is the first thing people cut.
Sensitivity to interest rates and consumer mood, which can change quickly and generate sharp swings.
Charlie's note
“Here you're not buying a company, you're buying a moment in the consumption cycle; the discipline of contributing consistently and watching the annual cost matters more than trying to guess the best day to get in.”
Analysis · June 2026
Charlie informs, it doesn't advise. No information should be taken as a recommendation to buy or sell.