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

In the year to Sep 12, 2026, with distributions reinvested, USFR returned +4.1% and XRT returned −3.0%, so USFR returned more. One year is one year; the longer windows are in the table.

Which is cheaper, USFR or XRT?

USFR charges 0.15% a year and XRT charges 0.35%, so USFR 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

USFR vs XRT: how they differ

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

WisdomTree Floating Rate Treasury Fund and State Street(R) SPDR(R) S&P(R) Retail ETF.

What they hold in common

By the books each fund has filed, USFR 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 USFR	Only in XRT
UNITED STATES OF AMERICA - BUREAU OF THE 28.04%	Groupon Inc 1.78%
UNITED STATES OF AMERICA - BUREAU OF THE 28.01%	RealReal Inc/The 1.75%
UNITED STATES OF AMERICA - BUREAU OF THE 28.00%	Bath & Body Works Inc 1.73%
UNITED STATES OF AMERICA - BUREAU OF THE 15.95%	Warby Parker Inc 1.64%
	Upbound Group Inc 1.59%
	Coupang Inc 1.55%
	Maplebear Inc 1.55%
	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.

USFR and XRT on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	USFR WisdomTree Floating Rate Treasury Fund	XRT State Street(R) SPDR(R) S&P(R) Retail ETF
Where it sits	Core index fund	Core index fund
Issuer	WisdomTree	State Street
What it is	Floating Rate Treasury	SPDR S&P Retail
Total return, 1 year	+4.1%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−13.4 pts	−20.6 pts
Expense ratio	0.15%	0.35%
Holdings	4	75

USFR in plain words

USFR is a bond fund tracking the Floating Rate Treasury. Over the year to Sep 11, 2026 it returned +4.1% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.15% 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, USFR or XRT?: In the year to Sep 12, 2026, with distributions reinvested, USFR returned +4.1% and XRT returned −3.0%, so USFR returned more. One year is one year; the longer windows are in the table.
Which is cheaper, USFR or XRT?: USFR charges 0.15% a year and XRT charges 0.35%, so USFR 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.

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

A comparison is not a recommendation. Standards and sources