Tight-fisted American consumers did little for ETFs holding retail, apparel, media, hotel, restaurant or automobile stocks in 2014. But that could be changing in 2015. As the broad market-tracking SPDR S&P 500 (SPY) returned 13.5% and defensive sectors such as utilities soared as much as 28.7%, Consumer Discretionary SPDR (XLY) climbed a relatively modest 9.5%.