Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VT vs XRT: how they differ
VT and XRT hold 3% of their weight in the same names, and VT returned more over the year.
Vanguard Total World Stock 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, VT and XRT hold 3% of their money in the same securities at the same weight.
| Holding | VT | XRT |
|---|---|---|
| Amazon.com Inc | 2.29% | 1.35% |
| Walmart Inc | 0.52% | 1.27% |
| Costco Wholesale Corp | 0.41% | 1.29% |
| TJX Cos Inc/The | 0.16% | 1.22% |
| O'Reilly Automotive Inc | 0.08% | 1.38% |
| Ross Stores Inc | 0.07% | 1.24% |
| AutoZone Inc | 0.06% | 1.39% |
| Target Corp | 0.05% | 1.38% |
| Carvana Co | 0.05% | 1.32% |
| eBay Inc | 0.04% | 1.42% |
| Kroger Co/The | 0.04% | 1.17% |
| Casey's General Stores Inc | 0.03% | 1.17% |
| Only in VT | Only in XRT |
|---|---|
| NVIDIA Corp 4.22% | Groupon Inc 1.78% |
| Apple Inc 3.53% | RealReal Inc/The 1.75% |
| Microsoft Corp 2.73% | Warby Parker Inc 1.64% |
| Alphabet Inc 2.04% | Upbound Group Inc 1.59% |
| Broadcom Inc 1.74% | Revolve Group Inc 1.52% |
| Alphabet Inc 1.61% | MarineMax Inc 1.52% |
| Taiwan Semiconductor Manufacturing Co Lt 1.52% | Kohl's Corp 1.51% |
| Meta Platforms Inc 1.21% | Winmark Corp 1.47% |
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.
| VT Vanguard Total World Stock 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 | Total World Stock | SPDR S&P Retail |
| Total return, 1 year | +18.9% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +1.4 pts | −20.6 pts |
| Expense ratio | 0.06% | 0.35% |
| Already in the S&P 500 | 55.2% | 22.5% |
| Holdings | 10042 | 75 |
VT in plain words
VT is an index equity fund tracking the Total World Stock. Over the year to Sep 11, 2026 it returned +18.9% 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 Apr 30, 2026, 55% of the fund by weight is stocks the S&P 500 also holds, across 10042 positions, with the top ten at 21.9%.
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, VT or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, VT returned +18.9% and XRT returned −3.0%, so VT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VT or XRT?
- VT charges 0.06% a year and XRT charges 0.35%, so VT is cheaper. Fees come from each fund's prospectus.
- How much do VT and XRT overlap with the S&P 500?
- By their latest filed holdings, 55% of VT 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, VT against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/VT-XRT Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources