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

In the year to Sep 12, 2026, with distributions reinvested, VTEB returned +0.2% and XRT returned −3.0%, so VTEB returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VTEB or XRT?

VTEB charges 0.03% a year and XRT charges 0.35%, so VTEB 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

VTEB vs XRT: how they differ

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

Vanguard Tax-Exempt Bond 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, VTEB 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 VTEB	Only in XRT
University of California 0.12%	Groupon Inc 1.78%
Triborough Bridge & Tunnel Authority 0.12%	RealReal Inc/The 1.75%
Colorado State Education Loan Program 0.11%	Bath & Body Works Inc 1.73%
State of California 0.11%	Warby Parker Inc 1.64%
New York City Transitional Finance Autho 0.09%	Upbound Group Inc 1.59%
Dallas Independent School District 0.09%	Coupang Inc 1.55%
New York State Dormitory Authority 0.09%	Maplebear Inc 1.55%
Ohio Water Development Authority Water P 0.09%	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.

VTEB and XRT on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	VTEB Vanguard Tax-Exempt Bond 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	Tax-Exempt Bond	SPDR S&P Retail
Total return, 1 year	+0.2%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−17.3 pts	−20.6 pts
Expense ratio	0.03%	0.35%
Holdings	10185	75

VTEB in plain words

VTEB is a bond fund tracking the Tax-Exempt Bond. Over the year to Sep 11, 2026 it returned +0.2% 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. It sat 3.6% below its high of Jul 6, 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, VTEB or XRT?: In the year to Sep 12, 2026, with distributions reinvested, VTEB returned +0.2% and XRT returned −3.0%, so VTEB returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VTEB or XRT?: VTEB charges 0.03% a year and XRT charges 0.35%, so VTEB 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.

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

A comparison is not a recommendation. Standards and sources