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

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

Which is cheaper, SPYM or XRT?

SPYM is cheaper, by 0.33 percentage points a year. That is about $33 on $10,000 held for a year. Fees come from each fund's prospectus.

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

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

Data as of Oct 28, 2026.

Across categories

SPYM vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SPYM 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: $185.0bn for State Street SPDR Portfolio S&P 500 ETF and $362m for State Street SPDR S&P Retail ETF.

SPYM on its own →XRT on its own →

At a glance

+13.7%

SPYM total return, 1 year

+2.4%

XRT total return, 1 year

0.02%

SPYM expense ratio

0.35%

XRT expense ratio

Pair scorecard

SPYM costs 0.33 points a year less; their one-year returns differ by 11.3 points; SPYM is far larger, $185.0bn against $362m.

SPYM vs XRT: Differences, Returns & Fees
Measure	SPYM	XRT
Return
Measure	SPYM	XRT
Total return, 1 year	+13.7%	+2.4%
Drawdown
Measure	SPYM	XRT
Below its high		9.9%, high on Nov 16, 2021
Benchmark
Measure	SPYM	XRT
What it tracks	S&P 500 Index	S&P Retail Select Industry Index
Cost and size
Measure	SPYM	XRT
Expense ratio	0.02%	0.35%
Net assets, as of Oct 27, 2026	$185.0bn	$362m
Holdings
Measure	SPYM	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, SPYM 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 SPYM XRT

AMAZON.COM INC 3.73% 1.37%

WALMART INC 0.80% 1.54%

COSTCO WHOLESALE CORP 0.66% 1.50%

TJX COMPANIES INC 0.23% 1.52%

ROSS STORES INC 0.11% 1.39%

O REILLY AUTOMOTIVE INC 0.11% 1.42%

TARGET CORP 0.10% 1.28%

AUTOZONE INC 0.08% 1.47%

EBAY INC 0.07% 1.55%

CARVANA CO 0.06% 1.10%

KROGER CO 0.06% 1.59%

DOLLAR GENERAL CORP 0.04% 1.39%

Only in one fund ↓

Only in SPYM

NVIDIA CORP 7.92%

APPLE INC 7.61%

MICROSOFT CORP 5.92%

ALPHABET INC CL A 2.83%

BROADCOM INC 2.44%

ALPHABET INC CL C 2.26%

META PLATFORMS INC CLASS A 2.05%

TESLA INC 1.72%

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

SPYM State Street SPDR Portfolio S&P 500 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 Tracks the S&P Retail

Total return, 1 year +13.7% +2.4%

Its benchmark over the same days +13.7% (IVV) not measured

Gap to its benchmark 0.0 pts vs IVV not measured

Expense ratio 0.02% 0.35%

Already in the S&P 500 99.8% 22.5%

Holdings 506 74

Net assets, as of Oct 27, 2026 $185.0bn $362m

Former ticker SPLG none

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

Alert

About each fund

SPYM

SPYM tracks the S&P 500. Over the year to Oct 28, 2026 it returned +13.7% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.02% 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 506 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, SPYM or XRT?: In the year to Oct 28, 2026, with distributions reinvested, SPYM returned +13.7% and XRT +2.4%.
Which is cheaper, SPYM or XRT?: SPYM is cheaper, by 0.33 percentage points a year. That is about $33 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do SPYM and XRT overlap with the S&P 500?: By their latest filed holdings, 100% of SPYM and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

SPYM vs XHB SPYM vs XLY SPYM vs XOP IYR vs SPYM VIG vs XRT ITOT vs XRT DIA vs XRT DYNF vs XRT

Where to next

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

Sources and dates

SPYM and XRT filings on SEC EDGAR ↗

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

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