Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VNQ vs XRT: how they differ
VNQ and XRT hold 0% of their weight in the same names, and VNQ returned more over the year.
Vanguard Real Estate 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, VNQ and XRT hold 0% of their money in the same securities at the same weight.
| Only in VNQ | Only in XRT |
|---|---|
| Vanguard Real Estate II Index Fund 14.67% | Groupon Inc 1.78% |
| Welltower Inc 7.86% | RealReal Inc/The 1.75% |
| Prologis Inc 7.02% | Bath & Body Works Inc 1.73% |
| Equinix Inc 5.66% | Warby Parker Inc 1.64% |
| American Tower Corp 4.55% | Upbound Group Inc 1.59% |
| Digital Realty Trust Inc 3.67% | Coupang Inc 1.55% |
| Simon Property Group Inc 3.54% | Maplebear Inc 1.55% |
| Realty Income Corp 3.12% | 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.
| VNQ Vanguard Real Estate 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 | US real estate | SPDR S&P Retail |
| Total return, 1 year | +5.6% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −11.9 pts | −20.6 pts |
| Expense ratio | 0.13% | 0.35% |
| Already in the S&P 500 | 63.3% | 22.5% |
| Holdings | 146 | 75 |
VNQ in plain words
VNQ is an index equity fund tracking the US real estate. Over the year to Sep 11, 2026 it returned +5.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.13% a year. By its holdings filed for Apr 30, 2026, 63% of the fund by weight is stocks the S&P 500 also holds, across 146 positions, with the top ten at 54.9%. It sat 6.1% below its high of Jul 28, 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, VNQ or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, VNQ returned +5.6% and XRT returned −3.0%, so VNQ returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VNQ or XRT?
- VNQ charges 0.13% a year and XRT charges 0.35%, so VNQ is cheaper. Fees come from each fund's prospectus.
- How much do VNQ and XRT overlap with the S&P 500?
- By their latest filed holdings, 63% of VNQ and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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Where these figures came from
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Cite this page. ETFIQ, VNQ against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/VNQ-XRT Free to use with attribution; the underlying files are at Open data.
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