Data as of Oct 28, 2026.
IAU vs XRT: Differences, Returns & Fees
IAU is a commodity fund and XRT an equity index fund, and over the year to Oct 28, 2026, IAU returned +2.7% against +2.4%.
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askIQ about IAU and XRTNet assets: $60.1bn on Oct 28, 2026 for iShares Gold Trust, and $362m on Oct 27, 2026 for State Street SPDR S&P Retail ETF.
Pair scorecard
IAU costs 0.10 points a year less; their one-year returns differ by 0.3 points; IAU is far larger, $60.3bn against $362m.
| Measure | IAU | XRT |
|---|---|---|
| Return | ||
| Total return, 1 year | +2.7% | +2.4% |
| Drawdown | ||
| Below its high | 24.6%, high on Jan 29, 2026 | 9.9%, high on Nov 16, 2021 |
| Benchmark | ||
| What it tracks | Gold | S&P Retail Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.25% | 0.35% |
| Net assets, as of Oct 27, 2026 | $60.3bn | $362m |
| Holdings | ||
| Holdings in common | not published | |
| In the S&P 500, by weight | 22% | |
| Top ten holdings, share of the fund | 16.6% | |
Side by side
IAU and XRT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
Its expense ratio is 0.25% a year, for the three months to Jun 30, 2026, as its 10-Q states.
IAU holds gold. Over the year to Oct 28, 2026 it returned +2.7% with distributions reinvested, against +2.5% for its benchmark, the price of gold. It sat 24.6% below its high of Jan 29, 2026 on Oct 28, 2026.
XRT
XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 16.6%. It sat 9.9% below its high of Nov 16, 2021 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, IAU or XRT?
- In the year to Oct 28, 2026, with distributions reinvested, IAU returned +2.7% and XRT +2.4%.
- Which is cheaper, IAU or XRT?
- IAU is cheaper, by 0.10 percentage points a year. That is about $10 on $10,000 held for a year. Fees come from each fund's own filings.
Links are sources, not endorsements. A comparison is not a recommendation.
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ETFIQ, IAU against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/iau-vs-xrt
ETFIQ. (Oct 28, 2026). IAU against XRT. Retrieved from https://etfiq.com/compare/any/iau-vs-xrt
[IAU against XRT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/iau-vs-xrt)
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