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

In the year to Oct 28, 2026, with distributions reinvested, SDY returned +16.5% and XRT +2.4%.

Which is cheaper, SDY or XRT?

Neither: SDY and XRT both charge 0.35% a year. Fees come from each fund's prospectus.

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

By their latest filed holdings, 84% of SDY and 22% of XRT by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

SDY vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SDY returned +16.5% to XRT's +2.4%; 3% of their weight is in the same names.

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Net assets on Oct 27, 2026: $21.9bn for State Street SPDR S&P Dividend ETF and $362m for State Street SPDR S&P Retail ETF.

SDY on its own →XRT on its own →

At a glance

+16.5%

SDY total return, 1 year

+2.4%

XRT total return, 1 year

0.35%

SDY expense ratio

0.35%

XRT expense ratio

Pair scorecard

Both cost 0.35% a year; their one-year returns differ by 14.1 points; SDY is far larger, $21.9bn against $362m.

SDY vs XRT: Differences, Returns & Fees
Measure	SDY	XRT
Return
Measure	SDY	XRT
Total return, 1 year	+16.5%	+2.4%
Drawdown
Measure	SDY	XRT
Below its high		9.9%, high on Nov 16, 2021
Benchmark
Measure	SDY	XRT
What it tracks	S&P High Yield Dividend Aristocrats Index	S&P Retail Select Industry Index
Cost and size
Measure	SDY	XRT
Expense ratio	0.35%	0.35%
Net assets, as of Oct 27, 2026	$21.9bn	$362m
Holdings
Measure	SDY	XRT
Holdings in common	3%
Top ten holdings, share of the fund	20.4%	16.6%

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

What they share

By the books each fund has filed, SDY and XRT hold 3% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

3% in common

Positions both hold · largest shared weight first SDY XRT

TARGET CORP 1.59% 1.28%

BEST BUY CO INC 0.70% 1.53%

WALMART INC 0.40% 1.54%

COSTCO WHOLESALE CORP 0.28% 1.50%

CASEY S GENERAL STORES INC 0.11% 1.51%

Only in one fund ↓

Only in SDY

ACCENTURE PLC CL A 3.73%

VERIZON COMMUNICATIONS INC 2.81%

CHEVRON CORP 2.15%

REALTY INCOME CORP 1.94%

PEPSICO INC 1.82%

MEDTRONIC PLC 1.79%

AUTOMATIC DATA PROCESSING 1.55%

KENVUE INC 1.55%

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

SDY State Street SPDR S&P Dividend ETF XRT State Street SPDR S&P Retail ETF

Where it sits Stock ETF Stock ETF

Issuer State Street State Street

What it is Tracks the S&P Dividend Tracks the S&P Retail

Total return, 1 year +16.5% +2.4%

Expense ratio 0.35% 0.35%

Already in the S&P 500 84.4% 22.5%

Holdings 156 74

Net assets, as of Oct 27, 2026 $21.9bn $362m

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

Alert

About each fund

SDY

SDY tracks the S&P Dividend. Over the year to Oct 28, 2026 it returned +16.5% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 84% of the fund by weight is stocks the S&P 500 also holds, across 156 positions, with the top ten at 20.4%.

XRT

XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. 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, SDY or XRT?: In the year to Oct 28, 2026, with distributions reinvested, SDY returned +16.5% and XRT +2.4%.
Which is cheaper, SDY or XRT?: Neither: SDY and XRT both charge 0.35% a year. Fees come from each fund's prospectus.
How much do SDY and XRT overlap with the S&P 500?: By their latest filed holdings, 84% of SDY and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

SDY vs XHB SDY vs XLY SDY vs XOP SDY vs VOX VOE vs XRT DVY vs XRT COWZ vs XRT NOBL vs XRT

Where to next

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

Sources and dates

SDY and XRT filings on SEC EDGAR ↗

SDY and 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, SDY against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/sdy-vs-xrt

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