Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VIG vs XRT: how they differ
VIG and XRT hold 3% of their weight in the same names, and VIG returned more over the year.
Vanguard Dividend Appreciation Index Fund and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, VIG and XRT hold 3% of their money in the same securities at the same weight.
| Holding | VIG | XRT |
|---|---|---|
| Costco Wholesale Corp | 2.04% | 1.29% |
| Walmart Inc | 2.62% | 1.27% |
| Casey's General Stores Inc | 0.14% | 1.17% |
| Kroger Co/The | 0.12% | 1.17% |
| Tractor Supply Co | 0.08% | 1.39% |
| Dick's Sporting Goods Inc | 0.07% | 1.43% |
| Lithia Motors Inc | 0.03% | 1.29% |
| Dillard's Inc | 0.01% | 1.23% |
| Only in VIG | Only in XRT |
|---|---|
| Broadcom Inc 5.21% | Groupon Inc 1.78% |
| Apple Inc 4.10% | RealReal Inc/The 1.75% |
| Microsoft Corp 3.99% | Bath & Body Works Inc 1.73% |
| JPMorgan Chase & Co 3.61% | Warby Parker Inc 1.64% |
| Eli Lilly & Co 3.36% | Upbound Group Inc 1.59% |
| Exxon Mobil Corp 2.92% | Coupang Inc 1.55% |
| Johnson & Johnson 2.51% | Maplebear Inc 1.55% |
| Visa Inc 2.34% | 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 Apr 30, 2026 and Jun 30, 2026.
| VIG Vanguard Dividend Appreciation Index Fund | XRT State Street(R) SPDR(R) S&P(R) Retail ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Vanguard | State Street |
| What it is | Dividend growth | SPDR S&P Retail |
| Total return, 1 year | +12.4% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −5.1 pts | −20.6 pts |
| Expense ratio | 0.04% | 0.35% |
| Already in the S&P 500 | 95.7% | 22.5% |
| Holdings | 332 | 75 |
VIG in plain words
VIG is an index equity fund tracking the Dividend growth. Over the year to Sep 11, 2026 it returned +12.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.04% a year. By its holdings filed for Apr 30, 2026, 96% of the fund by weight is stocks the S&P 500 also holds, across 332 positions, with the top ten at 32.7%.
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, VIG or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, VIG returned +12.4% and XRT returned −3.0%, so VIG returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VIG or XRT?
- VIG charges 0.04% a year and XRT charges 0.35%, so VIG is cheaper. Fees come from each fund's prospectus.
- How much do VIG and XRT overlap with the S&P 500?
- By their latest filed holdings, 96% of VIG and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 3% 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, VIG against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/VIG-XRT Free to use with attribution; the underlying files are at Open data.
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