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

In the year to Sep 13, 2026, with distributions reinvested, TLT returned −6.4% and XRT returned −3.0%, so XRT returned more. One year is one year; the longer windows are in the table.

Which is cheaper, TLT or XRT?

TLT charges 0.15% a year and XRT charges 0.35%, so TLT is cheaper. Fees come from each fund's prospectus.

Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

TLT vs XRT: how they differ

TLT and XRT hold 0% of their weight in the same names, and XRT returned more over the year.

iShares 20+ Year Treasury Bond ETF and State Street(R) SPDR(R) S&P(R) Retail ETF.

What they hold in common

By the books each fund has filed, TLT and XRT hold 0% of their money in the same securities at the same weight.

Largest positions each one holds and the other does not
Only in TLT	Only in XRT
TREASURY BOND (2OLD) 4.16%	ABERCROMBIE + FITCH CO CL A 2.37%
TREASURY BOND (OLD) 4.05%	MARINEMAX INC 2.27%
TREASURY BOND (OTR) 1.03%	CARMAX INC 1.77%
TREASURY BOND 0.02%	FIVE BELOW 1.75%
	TARGET CORP 1.73%
	PENSKE AUTOMOTIVE GROUP INC 1.72%
	SALLY BEAUTY HOLDINGS INC 1.71%
	LITHIA MOTORS INC 1.70%

Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Sep 10, 2026.

TLT and XRT on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	TLT iShares 20+ Year Treasury Bond ETF	XRT State Street(R) SPDR(R) S&P(R) Retail ETF
Where it sits	Core index fund	Core index fund
Issuer	iShares	State Street
What it is	20+ year Treasuries	SPDR S&P Retail
Total return, 1 year	−6.4%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−23.9 pts	−20.6 pts
Expense ratio	0.15%	0.35%
Holdings	41	77

TLT in plain words

TLT is a bond fund tracking the 20+ year Treasuries. Over the year to Sep 11, 2026 it returned −6.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.15% a year. It sat 42.9% below its high of Aug 4, 2020 on Sep 11, 2026.

XRT in plain words

XRT is an index equity fund tracking the SPDR S&P Retail. Over the year to Sep 11, 2026 it returned −3.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Sep 10, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 18.4%. It sat 12.2% below its high of Nov 16, 2021 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, TLT or XRT?: In the year to Sep 13, 2026, with distributions reinvested, TLT returned −6.4% and XRT returned −3.0%, so XRT returned more. One year is one year; the longer windows are in the table.
Which is cheaper, TLT or XRT?: TLT charges 0.15% a year and XRT charges 0.35%, so TLT is cheaper. Fees come from each fund's prospectus.

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Where these figures came from

ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.

TLT against XRT, ETFIQ, data as of Sep 13, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, TLT against XRT, data as of Sep 13, 2026. https://etfiq.com/compare/any/tlt-vs-xrt Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources