Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
FNDX vs XRT: how they differ
FNDX and XRT hold 5% of their weight in the same names, and FNDX returned more over the year.
Schwab Fundamental U.S. Large Company ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, FNDX and XRT hold 5% of their money in the same securities at the same weight.
| Holding | FNDX | XRT |
|---|---|---|
| Amazon.com Inc | 1.86% | 1.35% |
| Walmart Inc | 1.01% | 1.27% |
| Costco Wholesale Corp | 0.53% | 1.29% |
| Target Corp | 0.40% | 1.38% |
| Kroger Co/The | 0.22% | 1.17% |
| TJX Cos Inc/The | 0.20% | 1.22% |
| eBay Inc | 0.16% | 1.42% |
| Best Buy Co Inc | 0.13% | 1.36% |
| Dollar General Corp | 0.13% | 1.42% |
| Ross Stores Inc | 0.10% | 1.24% |
| Dollar Tree Inc | 0.09% | 1.48% |
| Macy's Inc | 0.09% | 1.38% |
| Only in FNDX | Only in XRT |
|---|---|
| Apple Inc 4.64% | Groupon Inc 1.78% |
| Intel Corp 2.57% | RealReal Inc/The 1.75% |
| Alphabet Inc 2.38% | Warby Parker Inc 1.64% |
| Microsoft Corp 2.33% | Upbound Group Inc 1.59% |
| Exxon Mobil Corp 2.29% | Maplebear Inc 1.55% |
| Alphabet Inc 1.90% | Revolve Group Inc 1.52% |
| Micron Technology Inc 1.60% | Victoria's Secret & Co 1.52% |
| Chevron Corp 1.49% | MarineMax Inc 1.52% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and May 31, 2026.
| FNDX Schwab Fundamental U.S. Large Company ETF | XRT State Street(R) SPDR(R) S&P(R) Retail ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Schwab | State Street |
| What it is | Fundamental U.S. Large Company | SPDR S&P Retail |
| Total return, 1 year | +26.1% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +8.6 pts | −20.6 pts |
| Expense ratio | 0.25% | 0.35% |
| Already in the S&P 500 | 91.2% | 22.5% |
| Holdings | 733 | 75 |
FNDX in plain words
FNDX is an index equity fund tracking the Fundamental U.S. Large Company. Over the year to Sep 11, 2026 it returned +26.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.25% a year. By its holdings filed for May 31, 2026, 91% of the fund by weight is stocks the S&P 500 also holds, across 733 positions, with the top ten at 22.5%.
XRT in plain words
XRT is an index equity fund tracking the SPDR S&P Retail. Over the year to Sep 11, 2026 it returned −3.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Jun 30, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 75 positions, with the top ten at 16.1%. It sat 12.2% below its high of Nov 16, 2021 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, FNDX or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, FNDX returned +26.1% and XRT returned −3.0%, so FNDX returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, FNDX or XRT?
- FNDX charges 0.25% a year and XRT charges 0.35%, so FNDX is cheaper. Fees come from each fund's prospectus.
- How much do FNDX and XRT overlap with the S&P 500?
- By their latest filed holdings, 91% of FNDX and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 5% of their books are the same securities at the same weight.
Other comparisons
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, FNDX against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/FNDX-XRT Free to use with attribution; the underlying files are at Open data.
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