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Data as of Oct 28, 2026.

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SPYD vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPYD returned +15.3% to XRT's +2.4%; 3% of their weight is in the same names.

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Net assets on Oct 27, 2026: $7.5bn for State Street SPDR Portfolio S&P 500 High Dividend ETF and $362m for State Street SPDR S&P Retail ETF.

SPYD on its own →XRT on its own →
At a glance
+15.3%
SPYD total return, 1 year
+2.4%
XRT total return, 1 year
0.07%
SPYD expense ratio
0.35%
XRT expense ratio

Pair scorecard

SPYD costs 0.28 points a year less; their one-year returns differ by 12.9 points; SPYD is far larger, $7.5bn against $362m.

SPYD vs XRT: Differences, Returns & Fees
MeasureSPYDXRT
Return
Total return, 1 year+15.3%+2.4%
Drawdown
Below its high4.1%, high on Aug 24, 20269.9%, high on Nov 16, 2021
Benchmark
What it tracksS&P 500 High Dividend IndexS&P Retail Select Industry Index
Cost and size
Expense ratio0.07%0.35%
Net assets, as of Oct 27, 2026$7.5bn$362m
Holdings
Holdings in common3%
Top ten holdings, share of the fund16.1%16.6%

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

What they share

3%

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

0 half 100%

half

3% in common

Positions both hold · largest shared weight first SPYD XRT
BEST BUY CO INC 1.47% 1.53%
TARGET CORP 1.40% 1.28%
Only in one fund ↓
Only in SPYD
ACCENTURE PLC CL A 2.18%
HP INC 1.74%
HASBRO INC 1.73%
PFIZER INC 1.56%
CHEVRON CORP 1.54%
MEDTRONIC PLC 1.49%
CROWN CASTLE INC 1.47%
EOG RESOURCES INC 1.45%
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

SPYD State Street SPDR Portfolio S&P 500 High 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 500 High Dividend Tracks the S&P Retail
Total return, 1 year +15.3% +2.4%
Expense ratio 0.07% 0.35%
Already in the S&P 500 99.3% 22.5%
Holdings 79 74
Net assets, as of Oct 27, 2026 $7.5bn $362m

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

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About each fund
SPYD

SPYD tracks the S&P 500 High Dividend. Over the year to Oct 28, 2026 it returned +15.3% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings published by its issuer for Oct 27, 2026, 99% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 16.1%. It sat 4.1% below its high of Aug 24, 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, SPYD or XRT?
In the year to Oct 28, 2026, with distributions reinvested, SPYD returned +15.3% and XRT +2.4%.
Which is cheaper, SPYD or XRT?
SPYD is cheaper, by 0.28 percentage points a year. That is about $28 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do SPYD and XRT overlap with the S&P 500?
By their latest filed holdings, 99% of SPYD and 22% of XRT by weight is stocks the S&P 500 already holds.
Other comparisons
SPYD vs XHBSPYD vs XLYSPYD vs XOPSPYD vs VOXVLUE vs XRTAVLV vs XRTFNDX vs XRTCGDV vs XRT
Where to next
SPYD on its own →XRT on its own →Hold both: look the portfolio through →Rankings →SPYD dividend history →SPYD holdings →XRT dividend history →XRT holdings →Standards and sources →
Sources and dates
SPYD and XRT filings on SEC EDGAR ↗
SPYD 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.

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

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