Data as of Oct 28, 2026.
USFR vs XRT: Differences, Returns & Fees
Over the year to Oct 28, 2026, USFR returned +4.1% to XRT's +2.4%; 0% of their weight is in the same names.
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Net assets: $17.0bn on May 31, 2026 for WisdomTree Floating Rate Treasury Fund, and $362m on Oct 27, 2026 for State Street SPDR S&P Retail ETF.
Pair scorecard
USFR costs 0.20 points a year less; their one-year returns differ by 1.7 points.
| Measure | USFR | XRT |
|---|---|---|
| Return | ||
| Total return, 1 year | +4.1% | +2.4% |
| Drawdown | ||
| Below its high | 9.9%, high on Nov 16, 2021 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Treasury Floating Rate Bond Index | S&P Retail Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.15% | 0.35% |
| Net assets, USFR as of May 31, 2026 and XRT as of Oct 27, 2026 | $17.0bn | $362m |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 22% | |
| Top ten holdings, share of the fund | 16.6% | |
Holdings in common uses holdings dated May 31, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, USFR and XRT hold 0% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
USFR and XRT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
USFR
USFR tracks an index of Floating Rate Treasury. Over the year to Oct 28, 2026 it returned +4.1% with distributions reinvested, against +4.0% for its benchmark, the Bloomberg U.S. Treasury Floating Rate Bond Index. The prospectus expense ratio is 0.15% a year.
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, USFR or XRT?
- In the year to Oct 28, 2026, with distributions reinvested, USFR returned +4.1% and XRT +2.4%.
- Which is cheaper, USFR or XRT?
- USFR is cheaper, by 0.20 percentage points a year. That is about $20 on $10,000 held for a year. Fees come from each fund's prospectus.
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, USFR against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/usfr-vs-xrt
ETFIQ. (Oct 28, 2026). USFR against XRT. Retrieved from https://etfiq.com/compare/any/usfr-vs-xrt
[USFR against XRT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/usfr-vs-xrt)
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