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

In the year to Oct 28, 2026, with distributions reinvested, USO returned +133.3% and XRT +2.4%.

Which is cheaper, USO or XRT?

XRT is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

USO vs XRT: Differences, Returns & Fees

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USO is a commodity futures fund and XRT an equity index fund, and over the year to Oct 28, 2026, USO returned +133.3% against +2.4%.

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Net assets: $1.9bn on Oct 28, 2026 for United States Oil Fund, LP, and $362m on Oct 27, 2026 for State Street SPDR S&P Retail ETF.

USO on its own →XRT on its own →

At a glance

+133.3%

USO total return, 1 year

+2.4%

XRT total return, 1 year

0.86%

USO expense ratio

0.35%

XRT expense ratio

Pair scorecard

XRT costs 0.51 points a year less; their one-year returns differ by 130.9 points; USO is 5.2 times larger.

USO vs XRT: Differences, Returns & Fees
Measure	USO	XRT
Return
Measure	USO	XRT
Total return, 1 year	+133.3%	+2.4%
Drawdown
Measure	USO	XRT
Below its high	82.3%, high on Jul 14, 2008	9.9%, high on Nov 16, 2021
Benchmark
Measure	USO	XRT
What it tracks	Oil futures	S&P Retail Select Industry Index
Cost and size
Measure	USO	XRT
Expense ratio	0.86%	0.35%
Net assets, as of Oct 27, 2026	$1.9bn	$362m
Holdings
Measure	USO	XRT
Holdings in common	not published
In the S&P 500, by weight		22%
Top ten holdings, share of the fund		16.6%

Method

Side by side

USO United States Oil Fund, LP XRT State Street SPDR S&P Retail ETF

Where it sits Commodity ETF Stock ETF

Issuer USCF State Street

What it is Holds oil futures Tracks the S&P Retail

Total return, 1 year +133.3% +2.4%

Expense ratio 0.86% 0.35%

Holdings not counted 74

Net assets, USO as of Oct 28, 2026 and XRT as of Oct 27, 2026 $1.9bn $362m

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

Alert

About each fund

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 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, USO or XRT?: In the year to Oct 28, 2026, with distributions reinvested, USO returned +133.3% and XRT +2.4%.
Which is cheaper, USO or XRT?: XRT is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

USO vs XHB USO vs XLY USO vs XOP IYR vs USO BWET vs XRT GLDM vs XRT GLD vs XRT IAU vs XRT

Where to next

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

Sources and dates

USCF website ↗

XRT filings on SEC EDGAR ↗

XRT prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

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

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