Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
COWZ vs XRT: how they differ
COWZ and XRT hold 0% of their weight in the same names, and COWZ returned more over the year.
Pacer US Cash Cows 100 ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.
What they hold in common
By the books each fund has filed, COWZ and XRT hold 0% of their money in the same securities at the same weight.
| Only in COWZ | Only in XRT |
|---|---|
| QUALCOMM Inc 2.67% | ABERCROMBIE + FITCH CO CL A 2.37% |
| Altria Group Inc 2.21% | MARINEMAX INC 2.27% |
| ConocoPhillips 2.17% | CARMAX INC 1.77% |
| CVS Health Corp 2.16% | FIVE BELOW 1.75% |
| Bristol-Myers Squibb Co 2.03% | TARGET CORP 1.73% |
| Ford Motor Co 2.01% | PENSKE AUTOMOTIVE GROUP INC 1.72% |
| Uber Technologies Inc 2.01% | SALLY BEAUTY HOLDINGS INC 1.71% |
| Pfizer Inc 2.00% | LITHIA MOTORS INC 1.70% |
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 Sep 10, 2026.
| COWZ Pacer US Cash Cows 100 ETF | XRT State Street(R) SPDR(R) S&P(R) Retail ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Pacer | State Street |
| What it is | US Cash Cows 100 | SPDR S&P Retail |
| Total return, 1 year | +23.4% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +5.9 pts | −20.6 pts |
| Expense ratio | 0.49% | 0.35% |
| Already in the S&P 500 | 95.8% | 22.5% |
| Holdings | 100 | 77 |
COWZ in plain words
COWZ is an index equity fund tracking the US Cash Cows 100. Over the year to Sep 11, 2026 it returned +23.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.49% a year. By its holdings filed for Apr 30, 2026, 96% of the fund by weight is stocks the S&P 500 also holds, across 100 positions, with the top ten at 21.2%. It sat 3.2% below its high of Sep 3, 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 Sep 10, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 18.4%. 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, COWZ or XRT?
- In the year to Sep 13, 2026, with distributions reinvested, COWZ returned +23.4% and XRT returned −3.0%, so COWZ returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, COWZ or XRT?
- COWZ charges 0.49% a year and XRT charges 0.35%, so XRT is cheaper. Fees come from each fund's prospectus.
- How much do COWZ and XRT overlap with the S&P 500?
- By their latest filed holdings, 96% of COWZ 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, COWZ against XRT, data as of Sep 13, 2026. https://etfiq.com/compare/any/cowz-vs-xrt Free to use with attribution; the underlying files are at Open data.
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