Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
SCHD vs XRT: how they differ
SCHD and XRT hold 2% of their weight in the same names, and SCHD returned more over the year.
Schwab U.S. Dividend Equity ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, SCHD and XRT hold 2% of their money in the same securities at the same weight.
| Holding | SCHD | XRT |
|---|---|---|
| Target Corp | 1.45% | 1.38% |
| Best Buy Co Inc | 0.38% | 1.36% |
| Macy's Inc | 0.15% | 1.38% |
| Penske Automotive Group Inc | 0.08% | 1.36% |
| Buckle Inc/The | 0.04% | 1.29% |
| Only in SCHD | Only in XRT |
|---|---|
| QUALCOMM Inc 6.75% | Groupon Inc 1.78% |
| Texas Instruments Inc 5.92% | RealReal Inc/The 1.75% |
| UnitedHealth Group Inc 5.10% | Bath & Body Works Inc 1.73% |
| Coca-Cola Co/The 3.96% | Warby Parker Inc 1.64% |
| Merck & Co Inc 3.87% | Upbound Group Inc 1.59% |
| Chevron Corp 3.84% | Coupang Inc 1.55% |
| Verizon Communications Inc 3.66% | Maplebear Inc 1.55% |
| Procter & Gamble Co/The 3.55% | 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 and May 31, 2026.
| SCHD Schwab U.S. Dividend Equity 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 | US dividend | SPDR S&P Retail |
| Total return, 1 year | +27.6% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +10.1 pts | −20.6 pts |
| Expense ratio | 0.06% | 0.35% |
| Already in the S&P 500 | 95.1% | 22.5% |
| Holdings | 99 | 75 |
SCHD in plain words
SCHD is an index equity fund tracking the US dividend. Over the year to Sep 11, 2026 it returned +27.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.06% a year. By its holdings filed for May 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 43.7%. It sat 3.1% below its high of Aug 24, 2026 on Sep 11, 2026.
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, SCHD or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, SCHD returned +27.6% and XRT returned −3.0%, so SCHD returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SCHD or XRT?
- SCHD charges 0.06% a year and XRT charges 0.35%, so SCHD is cheaper. Fees come from each fund's prospectus.
- How much do SCHD and XRT overlap with the S&P 500?
- By their latest filed holdings, 95% of SCHD and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 2% of their books are the same securities at the same weight.
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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, SCHD against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHD-XRT Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources