Which returned more over the last year, SCHP or XRT?

In the year to Sep 12, 2026, with distributions reinvested, SCHP returned −0.8% and XRT returned −3.0%, so SCHP returned more. One year is one year; the longer windows are in the table.

Which is cheaper, SCHP or XRT?

SCHP charges 0.03% a year and XRT charges 0.35%, so SCHP is cheaper. Fees come from each fund's prospectus.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SCHP vs XRT: how they differ

SCHP and XRT hold 0% of their weight in the same names, and SCHP returned more over the year.

Schwab U.S. TIPS ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.

What they hold in common

By the books each fund has filed, SCHP and XRT hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in SCHP	Only in XRT
United States Treasury 4.09%	Groupon Inc 1.78%
United States Treasury 4.03%	RealReal Inc/The 1.75%
United States Treasury 4.02%	Bath & Body Works Inc 1.73%
United States Treasury 3.79%	Warby Parker Inc 1.64%
United States Treasury 3.62%	Upbound Group Inc 1.59%
United States Treasury 3.42%	Coupang Inc 1.55%
United States Treasury 3.39%	Maplebear Inc 1.55%
United States Treasury 3.38%	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.

SCHP and XRT on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	SCHP Schwab U.S. TIPS 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 TIPS	SPDR S&P Retail
Total return, 1 year	−0.8%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−18.4 pts	−20.6 pts
Expense ratio	0.03%	0.35%
Holdings	48	75

SCHP in plain words

SCHP is a bond fund tracking the US TIPS. Over the year to Sep 11, 2026 it returned −0.8% 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.

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, SCHP or XRT?: In the year to Sep 12, 2026, with distributions reinvested, SCHP returned −0.8% and XRT returned −3.0%, so SCHP returned more. One year is one year; the longer windows are in the table.
Which is cheaper, SCHP or XRT?: SCHP charges 0.03% a year and XRT charges 0.35%, so SCHP is cheaper. Fees come from each fund's prospectus.

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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.

SCHP against XRT, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, SCHP against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHP-XRT Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources