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

In the year to Sep 13, 2026, with distributions reinvested, EMB returned +2.8% and XRT returned −3.0%, so EMB returned more. One year is one year; the longer windows are in the table.

Which is cheaper, EMB or XRT?

EMB charges 0.39% a year and XRT charges 0.35%, so XRT is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

EMB vs XRT: how they differ

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

iShares J.P. Morgan USD Emerging Markets Bond ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.

What they hold in common

By the books each fund has filed, EMB 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 EMB	Only in XRT
BLK CSH FND TREASURY SL AGENCY 0.84%	ABERCROMBIE + FITCH CO CL A 2.37%
EAGLE FUNDING LUXCO SARL RegS 0.50%	MARINEMAX INC 2.27%
UKRAINE (REPUBLIC OF) C BONDS RegS 0.42%	CARMAX INC 1.77%
ECUADOR REPUBLIC OF (GOVERNMENT) RegS 0.34%	FIVE BELOW 1.75%
GHANA (REPUBLIC OF) DISCO RegS 0.31%	TARGET CORP 1.73%
CHINA LIFE INSURANCE OVERSEAS CO L RegS 0.28%	PENSKE AUTOMOTIVE GROUP INC 1.72%
REPUBLIC OF HUNGARY 0.27%	SALLY BEAUTY HOLDINGS INC 1.71%
ANGOLA (REPUBLIC OF) RegS 0.26%	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 Sep 10, 2026.

EMB and XRT on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	EMB iShares J.P. Morgan USD Emerging Markets Bond ETF	XRT State Street(R) SPDR(R) S&P(R) Retail ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	J.P. Morgan USD Emerging Markets Bond	SPDR S&P Retail
Total return, 1 year	+2.8%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−14.7 pts	−20.6 pts
Expense ratio	0.39%	0.35%
Holdings	612	77

EMB in plain words

EMB is a bond fund tracking the J.P. Morgan USD Emerging Markets Bond. Over the year to Sep 11, 2026 it returned +2.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.39% a year.

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, EMB or XRT?: In the year to Sep 13, 2026, with distributions reinvested, EMB returned +2.8% and XRT returned −3.0%, so EMB returned more. One year is one year; the longer windows are in the table.
Which is cheaper, EMB or XRT?: EMB charges 0.39% a year and XRT charges 0.35%, so XRT is cheaper. Fees come from each fund's prospectus.

Other comparisons

Where to next

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.

EMB against XRT, ETFIQ, data as of Sep 13, 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, EMB against XRT, data as of Sep 13, 2026. https://etfiq.com/compare/any/emb-vs-xrt Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources