Core Viewpoint - The Consumer Discretionary Select Sector SPDR® Fund ETF (NYSEARCA: XLY) has underperformed in early 2025 due to economic challenges, higher interest rates, and other external factors, but there are expectations for improvement in the second half of 2025 as certain trends begin to shift [1]. Group 1 - The Consumer Discretionary Select Sector SPDR® Fund ETF (XLY) has faced economic headwinds and higher rates in 2025 [1]. - There is an anticipated improvement in trends for the second half of 2025 [1]. - The analysis emphasizes a focus on both short- and long-term market trends [1].