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

In the year to Oct 28, 2026, with distributions reinvested, IVV returned +13.7% and XRT +2.4%.

Which is cheaper, IVV or XRT?

IVV 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 IVV and XRT overlap with the S&P 500?

By their latest filed holdings, 100% of IVV and 22% of XRT by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

IVV vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, IVV returned +13.7% to XRT's +2.4%; 4% of their weight is in the same names.

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Net assets on Oct 27, 2026: $885.1bn for iShares Core S&P 500 ETF and $362m for State Street SPDR S&P Retail ETF.

IVV on its own →XRT on its own →

At a glance

+13.7%

IVV total return, 1 year

+2.4%

XRT total return, 1 year

0.03%

IVV expense ratio

0.35%

XRT expense ratio

Pair scorecard

IVV costs 0.32 points a year less; their one-year returns differ by 11.3 points; IVV is far larger, $885.1bn against $362m.

IVV vs XRT: Differences, Returns & Fees
Measure	IVV	XRT
Return
Measure	IVV	XRT
Total return, 1 year	+13.7%	+2.4%
Drawdown
Measure	IVV	XRT
Below its high		9.9%, high on Nov 16, 2021
Benchmark
Measure	IVV	XRT
What it tracks	S&P 500	S&P Retail Select Industry Index
Cost and size
Measure	IVV	XRT
Expense ratio	0.03%	0.35%
Net assets, as of Oct 27, 2026	$885.1bn	$362m
Holdings
Measure	IVV	XRT
Holdings in common	4%
Top ten holdings, share of the fund	38.1%	16.6%

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

What they share

By the books each fund has filed, IVV 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 IVV XRT

AMAZON.COM INC 3.73% 1.37%

WALMART 0.80% 1.54%

COSTCO WHOLESALE CORP 0.66% 1.50%

TJX 0.23% 1.52%

ROSS STORES INC 0.11% 1.39%

OREILLY AUTOMOTIVE INC 0.11% 1.42%

TARGET CORP 0.10% 1.28%

AUTOZONE 0.08% 1.47%

EBAY 0.07% 1.55%

CARVANA CLASS A 0.06% 1.10%

KROGER 0.06% 1.59%

DOLLAR GENERAL CORP 0.04% 1.39%

Only in one fund ↓

Only in IVV

NVIDIA 7.92%

APPLE 7.61%

MICROSOFT 5.93%

ALPHABET CLASS A 2.83%

BROADCOM INC 2.45%

ALPHABET CLASS C 2.26%

META PLATFORMS CLASS A 2.05%

TESLA INC 1.73%

Only in XRT

KOHLS CORP 1.85%

MAPLEBEAR INC 1.76%

BATH + BODY WORKS INC 1.69%

ETSY INC 1.68%

VICTORIA S SECRET + CO 1.66%

BJ S WHOLESALE CLUB HOLDINGS 1.62%

GAMESTOP CORP CLASS A 1.60%

OLLIE S BARGAIN OUTLET HOLDI 1.60%

Check overlap with more funds →

Side by side

IVV iShares Core S&P 500 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 500 Tracks the S&P Retail

Total return, 1 year +13.7% +2.4%

Its benchmark over the same days +13.6% (SPY) not measured

Gap to its benchmark +0.1 pts vs SPY not measured

Expense ratio 0.03% 0.35%

Already in the S&P 500 99.8% 22.5%

Holdings 505 74

Net assets, as of Oct 27, 2026 $885.1bn $362m

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

Alert

About each fund

IVV

IVV tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.7% with distributions reinvested, against +13.6% for its benchmark, the S&P 500. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 505 positions, with the top ten at 38.1%.

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, IVV or XRT?: In the year to Oct 28, 2026, with distributions reinvested, IVV returned +13.7% and XRT +2.4%.
Which is cheaper, IVV or XRT?: IVV 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 IVV and XRT overlap with the S&P 500?: By their latest filed holdings, 100% of IVV and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

IVV vs XHB IVV vs XLY IVV vs XOP IVV vs VOX SPY vs XRT VOO vs XRT VTI vs XRT RDVY vs XRT

Where to next

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

Sources and dates

IVV filings on SEC EDGAR ↗

IVV prospectus with the expense ratio (SEC) ↗

iShares page for IVV ↗

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.

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

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