Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
IVV vs XRT: how they differ
IVV and XRT hold 4% of their weight in the same names, and IVV returned more over the year.
iShares Core S&P 500 ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, IVV and XRT hold 4% of their money in the same securities at the same weight.
| Holding | IVV | XRT |
|---|---|---|
| Amazon.com, Inc. | 3.62% | 1.35% |
| Walmart, Inc. | 0.77% | 1.27% |
| Costco Wholesale Corp. | 0.64% | 1.29% |
| TJX Cos., Inc. (The) | 0.26% | 1.22% |
| O'Reilly Automotive, Inc. | 0.12% | 1.38% |
| Ross Stores, Inc. | 0.11% | 1.24% |
| Target Corp. | 0.09% | 1.38% |
| AutoZone, Inc. | 0.08% | 1.39% |
| eBay, Inc. | 0.08% | 1.42% |
| Carvana Co. | 0.07% | 1.32% |
| Kroger Co. (The) | 0.05% | 1.17% |
| Casey's General Stores, Inc. | 0.05% | 1.17% |
| Only in IVV | Only in XRT |
|---|---|
| NVIDIA Corp. 7.52% | Groupon Inc 1.78% |
| Apple, Inc. 6.59% | RealReal Inc/The 1.75% |
| Microsoft Corp. 4.30% | Bath & Body Works Inc 1.73% |
| Alphabet, Inc. 3.25% | Warby Parker Inc 1.64% |
| Broadcom, Inc. 2.77% | Upbound Group Inc 1.59% |
| Alphabet, Inc. 2.59% | Coupang Inc 1.55% |
| Micron Technology, Inc. 2.02% | Maplebear Inc 1.55% |
| Meta Platforms, Inc. 1.92% | Revolve Group 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.
| IVV iShares Core S&P 500 ETF | XRT State Street(R) SPDR(R) S&P(R) Retail ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | iShares | State Street |
| What it is | S&P 500 | SPDR S&P Retail |
| Total return, 1 year | +17.6% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +0.1 pts | −20.6 pts |
| Expense ratio | 0.03% | 0.35% |
| Already in the S&P 500 | 100.0% | 22.5% |
| Holdings | 504 | 75 |
IVV in plain words
IVV is an index equity fund tracking the S&P 500. Over the year to Sep 11, 2026 it returned +17.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 504 positions, with the top ten at 36.4%.
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, IVV or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, IVV returned +17.6% and XRT returned −3.0%, so IVV returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, IVV or XRT?
- IVV charges 0.03% a year and XRT charges 0.35%, so IVV is cheaper. Fees come from each fund's prospectus.
- How much do IVV and XRT overlap with the S&P 500?
- By their latest filed holdings, 100% of IVV and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 4% 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, IVV against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/IVV-XRT Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources