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

In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and XRT +2.4%.

Which is cheaper, ITOT or XRT?

ITOT is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do ITOT and XRT overlap with the S&P 500?

By their latest filed holdings, 88% of ITOT and 22% of XRT by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

ITOT vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, ITOT returned +13.4% to XRT's +2.4%; 4% of their weight is in the same names.

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Net assets on Oct 27, 2026: $97.1bn for iShares Core S&P Total U.S. Stock Market ETF and $362m for State Street SPDR S&P Retail ETF.

ITOT on its own →XRT on its own →

At a glance

+13.4%

ITOT total return, 1 year

+2.4%

XRT total return, 1 year

0.03%

ITOT expense ratio

0.35%

XRT expense ratio

Pair scorecard

ITOT costs 0.32 points a year less; their one-year returns differ by 11.0 points; ITOT is far larger, $97.1bn against $362m.

ITOT vs XRT: Differences, Returns & Fees
Measure	ITOT	XRT
Return
Measure	ITOT	XRT
Total return, 1 year	+13.4%	+2.4%
Drawdown
Measure	ITOT	XRT
Below its high		9.9%, high on Nov 16, 2021
Benchmark
Measure	ITOT	XRT
What it tracks	S&P Total Market Index (TMI)	S&P Retail Select Industry Index
Cost and size
Measure	ITOT	XRT
Expense ratio	0.03%	0.35%
Net assets, as of Oct 27, 2026	$97.1bn	$362m
Holdings
Measure	ITOT	XRT
Holdings in common	4%
Top ten holdings, share of the fund	33.9%	16.6%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, ITOT and XRT hold 4% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

4% in common

Positions both hold · largest shared weight first ITOT XRT

AMAZON.COM INC 3.32% 1.37%

WALMART 0.71% 1.54%

COSTCO WHOLESALE CORP 0.59% 1.50%

TJX 0.21% 1.52%

OREILLY AUTOMOTIVE INC 0.10% 1.42%

ROSS STORES INC 0.10% 1.39%

TARGET CORP 0.09% 1.28%

AUTOZONE 0.07% 1.47%

CARVANA CLASS A 0.06% 1.10%

EBAY 0.06% 1.55%

KROGER 0.05% 1.59%

DOLLAR GENERAL CORP 0.04% 1.39%

Only in one fund ↓

Only in ITOT

NVIDIA 7.06%

APPLE 6.78%

MICROSOFT 5.28%

ALPHABET CLASS A 2.52%

BROADCOM INC 2.18%

ALPHABET CLASS C 2.02%

META PLATFORMS CLASS A 1.83%

TESLA INC 1.54%

Only in XRT

CITI TRENDS INC 0.74%

BUILD A BEAR WORKSHOP INC 0.66%

Check overlap with more funds →

Side by side

ITOT iShares Core S&P Total U.S. Stock Market ETF XRT State Street SPDR S&P Retail ETF

Where it sits Stock ETF Stock ETF

Issuer iShares State Street

What it is Tracks the S&P Total U.S. Stock Market Tracks the S&P Retail

Total return, 1 year +13.4% +2.4%

Expense ratio 0.03% 0.35%

Already in the S&P 500 88.1% 22.5%

Holdings 2443 74

Net assets, as of Oct 27, 2026 $97.1bn $362m

ITOT and XRT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

ITOT

ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.

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, ITOT or XRT?: In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and XRT +2.4%.
Which is cheaper, ITOT or XRT?: ITOT is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do ITOT and XRT overlap with the S&P 500?: By their latest filed holdings, 88% of ITOT and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

ITOT vs XHB ITOT vs XLY ITOT vs XOP ITOT vs VOX VIG vs XRT SCHX vs XRT SPYM vs XRT IWB vs XRT

Where to next

ITOT on its own →XRT on its own →Hold both: look the portfolio through →Rankings →ITOT dividend history →ITOT holdings →XRT dividend history →XRT holdings →Standards and sources →

Sources and dates

ITOT filings on SEC EDGAR ↗

ITOT prospectus with the expense ratio (SEC) ↗

iShares page for ITOT ↗

XRT filings on SEC EDGAR ↗

XRT prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, ITOT against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-xrt

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.