Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VTI vs XRT: how they differ
VTI and XRT hold 4% of their weight in the same names, and VTI returned more over the year.
Vanguard Total Stock Market 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, VTI and XRT hold 4% of their money in the same securities at the same weight.
| Holding | VTI | XRT |
|---|---|---|
| Amazon.com Inc | 3.19% | 1.35% |
| Walmart Inc | 0.69% | 1.27% |
| Costco Wholesale Corp | 0.57% | 1.29% |
| TJX Cos Inc/The | 0.23% | 1.22% |
| O'Reilly Automotive Inc | 0.11% | 1.38% |
| Ross Stores Inc | 0.10% | 1.24% |
| Target Corp | 0.08% | 1.38% |
| AutoZone Inc | 0.07% | 1.39% |
| eBay Inc | 0.07% | 1.42% |
| Carvana Co | 0.06% | 1.32% |
| Kroger Co/The | 0.04% | 1.17% |
| Casey's General Stores Inc | 0.04% | 1.17% |
| Only in VTI | Only in XRT |
|---|---|
| NVIDIA Corp 6.37% | Coupang Inc 1.55% |
| Apple Inc 5.88% | Signet Jewelers Ltd 1.36% |
| Microsoft Corp 3.84% | |
| Alphabet Inc 2.90% | |
| Broadcom Inc 2.48% | |
| Alphabet Inc 2.29% | |
| Micron Technology Inc 1.80% | |
| Meta Platforms Inc 1.71% |
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.
| VTI Vanguard Total Stock Market 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 total market | SPDR S&P Retail |
| Total return, 1 year | +17.2% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −0.3 pts | −20.6 pts |
| Expense ratio | 0.03% | 0.35% |
| Already in the S&P 500 | 88.3% | 22.5% |
| Holdings | 3531 | 75 |
VTI in plain words
VTI is an index equity fund tracking the US total market. Over the year to Sep 11, 2026 it returned +17.2% 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. By its holdings filed for Jun 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3531 positions, with the top ten at 32.1%.
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, VTI or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, VTI returned +17.2% and XRT returned −3.0%, so VTI returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VTI or XRT?
- VTI charges 0.03% a year and XRT charges 0.35%, so VTI is cheaper. Fees come from each fund's prospectus.
- How much do VTI and XRT overlap with the S&P 500?
- By their latest filed holdings, 88% of VTI and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 4% 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, VTI against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/VTI-XRT Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources