Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
VYM vs XRT: how they differ
VYM and XRT hold 1% of their weight in the same names, and VYM returned more over the year.
Vanguard High Dividend Yield 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, VYM and XRT hold 1% of their money in the same securities at the same weight.
| Holding | VYM | XRT |
|---|---|---|
| Target Corp | 0.25% | 1.38% |
| eBay Inc | 0.20% | 1.42% |
| Kroger Co/The | 0.17% | 1.17% |
| Dollar General Corp | 0.11% | 1.42% |
| Tractor Supply Co | 0.08% | 1.39% |
| Dick's Sporting Goods Inc | 0.06% | 1.43% |
| Best Buy Co Inc | 0.05% | 1.36% |
| Albertsons Cos Inc | 0.03% | 1.20% |
| Gap Inc/The | 0.02% | 1.20% |
| Macy's Inc | 0.02% | 1.38% |
| Bath & Body Works Inc | 0.02% | 1.73% |
| Advance Auto Parts Inc | 0.01% | 1.42% |
| Only in VYM | Only in XRT |
|---|---|
| Broadcom Inc 8.07% | Groupon Inc 1.78% |
| JPMorgan Chase & Co 3.36% | RealReal Inc/The 1.75% |
| Exxon Mobil Corp 2.73% | Warby Parker Inc 1.64% |
| Johnson & Johnson 2.31% | Upbound Group Inc 1.59% |
| Caterpillar Inc 1.73% | Coupang Inc 1.55% |
| AbbVie Inc 1.57% | Maplebear Inc 1.55% |
| Cisco Systems Inc 1.52% | Revolve Group Inc 1.52% |
| Chevron Corp 1.51% | Victoria's Secret & Co 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.
| VYM Vanguard High Dividend Yield 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 high dividend | SPDR S&P Retail |
| Total return, 1 year | +17.6% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +0.1 pts | −20.6 pts |
| Expense ratio | 0.04% | 0.35% |
| Already in the S&P 500 | 92.2% | 22.5% |
| Holdings | 608 | 75 |
VYM in plain words
VYM is an index equity fund tracking the US high dividend. Over the year to Sep 11, 2026 it returned +17.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.04% a year. By its holdings filed for Apr 30, 2026, 92% of the fund by weight is stocks the S&P 500 also holds, across 608 positions, with the top ten at 25.7%.
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, VYM or XRT?
- In the year to Sep 12, 2026, with distributions reinvested, VYM returned +17.6% and XRT returned −3.0%, so VYM returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VYM or XRT?
- VYM charges 0.04% a year and XRT charges 0.35%, so VYM is cheaper. Fees come from each fund's prospectus.
- How much do VYM and XRT overlap with the S&P 500?
- By their latest filed holdings, 92% of VYM and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 1% 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, VYM against XRT, data as of Sep 12, 2026. https://etfiq.com/compare/any/VYM-XRT Free to use with attribution; the underlying files are at Open data.
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