🛒 Consumer

The consumer sector is the market’s real-time economic health monitor. Consumer Discretionary (XLY) represents what people want to buy — cars, restaurants, luxury goods. Consumer Staples (XLP) represents what people need to buy — food, household products, toiletries. The ratio between them is one of the most powerful risk sentiment indicators available.

Quick ETF cheat sheet

ETF	Sector	Type	Expense	Best For
XLY	Discretionary	Cap-weighted	0.09%	Trading, options
VCR	Discretionary	Cap-weighted	0.10%	Diversification
FDIS	Discretionary	Cap-weighted	0.08%	Lowest cost
RSPD	Discretionary	Equal-weight	0.40%	Breadth bet
XLP	Staples	Cap-weighted	0.08%	Defensive, options
VDC	Staples	Cap-weighted	0.10%	Long-term holding
RSPS	Staples	Equal-weight	0.40%	Reduced concentration
XRT	Retail	Equal-weight	0.35%	Retail breadth
PEJ	Leisure	Multi-factor	0.55%	Experiential spending
IBUY	E-commerce	Rules-based	0.65%	Online retail