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Data as of Oct 28, 2026.

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SPY vs XLRE: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPY returned +13.6% to XLRE's +4.3%; 2% of their weight is in the same names.

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Net assets on Oct 27, 2026: $814.8bn for SPDR S&P 500 ETF Trust and $8.0bn for State Street Real Estate Select Sector SPDR ETF.

SPY on its own →XLRE on its own →
At a glance
+13.6%
SPY total return, 1 year
+4.3%
XLRE total return, 1 year
0.09%
SPY expense ratio
0.08%
XLRE expense ratio

Pair scorecard

XLRE costs 0.01 points a year less; their one-year returns differ by 9.3 points; SPY is far larger, $814.8bn against $8.0bn.

SPY vs XLRE: Differences, Returns & Fees
MeasureSPYXLRE
Return
Total return, 1 year+13.6%+4.3%
Drawdown
Below its high7.7%, high on Jul 28, 2026
Benchmark
What it tracksS&P 500 IndexReal Estate Select Sector Index
Cost and size
Expense ratio0.09%0.08%
Net assets, as of Oct 27, 2026$814.8bn$8.0bn
Holdings
Holdings in common2%
Top ten holdings, share of the fund38.1%58.9%

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

What they share

2%

By the books each fund has filed, SPY and XLRE hold 2% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

2% in common

Positions both hold · largest shared weight first SPY XLRE
WELLTOWER INC 0.24% 11.14%
PROLOGIS INC 0.18% 8.19%
EQUINIX INC 0.15% 6.72%
AMERICAN TOWER CORP 0.13% 5.84%
SIMON PROPERTY GROUP INC 0.10% 4.76%
DIGITAL REALTY TRUST INC 0.09% 4.34%
REALTY INCOME CORP 0.08% 4.34%
PUBLIC STORAGE 0.08% 4.87%
VIVMARK RESIDENTIAL 0.07% 4.42%
VENTAS INC 0.06% 4.28%
CROWN CASTLE INC 0.06% 4.26%
CBRE GROUP INC A 0.05% 3.95%
Only in one fund ↓
Only in SPY
NVIDIA CORP 7.92%
APPLE INC 7.61%
MICROSOFT CORP 5.93%
AMAZON.COM INC 3.73%
ALPHABET INC CL A 2.83%
BROADCOM INC 2.45%
ALPHABET INC CL C 2.26%
META PLATFORMS INC CLASS A 2.06%
Only in XLRE
EMINI S+P REESTATEDEC26 -0.00%
Check overlap with more funds →

Side by side

SPY SPDR S&P 500 ETF Trust XLRE State Street Real Estate Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
Issuer State Street State Street
What it is Tracks the S&P 500 Tracks an index of Real estate
Total return, 1 year +13.6% +4.3%
Its benchmark over the same days +13.7% (VOO) not measured
Gap to its benchmark −0.1 pts vs VOO not measured
Expense ratio 0.09% 0.08%
Already in the S&P 500 99.8% 99.5%
Holdings 504 31
Net assets, as of Oct 27, 2026 $814.8bn $8.0bn

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

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About each fund
SPY

SPY tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.6% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.09% 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 504 positions, with the top ten at 38.1%.

XLRE

XLRE tracks an index of Real estate. Over the year to Oct 28, 2026 it returned +4.3% with distributions reinvested. The prospectus expense ratio is 0.08% 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 31 positions, with the top ten at 58.9%. It sat 7.7% below its high of Jul 28, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, SPY or XLRE?
In the year to Oct 28, 2026, with distributions reinvested, SPY returned +13.6% and XLRE +4.3%.
Which is cheaper, SPY or XLRE?
XLRE is cheaper, by 0.01 percentage points a year. That is about $1 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do SPY and XLRE overlap with the S&P 500?
By their latest filed holdings, 100% of SPY and 100% of XLRE by weight is stocks the S&P 500 already holds.
Other comparisons
SPY vs VNQSCHH vs SPYIYR vs SPYSPY vs XLBIVV vs XLREVTI vs XLREVOO vs XLRESPYM vs XLRE
Where to next
SPY on its own →XLRE on its own →Hold both: look the portfolio through →Rankings →SPY dividend history →SPY holdings →XLRE dividend history →XLRE holdings →Standards and sources →
Sources and dates
SPY filings on SEC EDGAR ↗
State Street website ↗
XLRE filings on SEC EDGAR ↗
XLRE prospectus with the expense ratio (SEC) ↗

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, SPY against XLRE, data as of Oct 28, 2026. https://etfiq.com/compare/any/spy-vs-xlre

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