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

In the year to Sep 13, 2026, with distributions reinvested, VGSH returned +1.8% and XRT returned −3.0%, so VGSH returned more. One year is one year; the longer windows are in the table.

Which is cheaper, VGSH or XRT?

VGSH charges 0.03% a year and XRT charges 0.35%, so VGSH 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

VGSH vs XRT: how they differ

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

Vanguard Short-Term Treasury Index Fund and State Street(R) SPDR(R) S&P(R) Retail ETF.

What they hold in common

By the books each fund has filed, VGSH 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 VGSH	Only in XRT
United States Treasury Note/Bond 2.26%	ABERCROMBIE + FITCH CO CL A 2.37%
United States Treasury Note/Bond 1.41%	MARINEMAX INC 2.27%
United States Treasury Note/Bond 1.36%	CARMAX INC 1.77%
United States Treasury Note/Bond 1.32%	FIVE BELOW 1.75%
United States Treasury Note/Bond 1.31%	TARGET CORP 1.73%
United States Treasury Note/Bond 1.30%	PENSKE AUTOMOTIVE GROUP INC 1.72%
United States Treasury Note/Bond 1.27%	SALLY BEAUTY HOLDINGS INC 1.71%
United States Treasury Note/Bond 1.27%	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 May 31, 2026 and Sep 10, 2026.

VGSH and XRT on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	VGSH Vanguard Short-Term Treasury Index Fund	XRT State Street(R) SPDR(R) S&P(R) Retail ETF
Where it sits	Core index fund	Core index fund
Issuer	Vanguard	State Street
What it is	Short-Term Treasury	SPDR S&P Retail
Total return, 1 year	+1.8%	−3.0%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−15.7 pts	−20.6 pts
Expense ratio	0.03%	0.35%
Holdings	91	77

VGSH in plain words

VGSH is a bond fund tracking the Short-Term Treasury. Over the year to Sep 11, 2026 it returned +1.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year.

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, VGSH or XRT?: In the year to Sep 13, 2026, with distributions reinvested, VGSH returned +1.8% and XRT returned −3.0%, so VGSH returned more. One year is one year; the longer windows are in the table.
Which is cheaper, VGSH or XRT?: VGSH charges 0.03% a year and XRT charges 0.35%, so VGSH is cheaper. Fees come from each fund's prospectus.

Other comparisons

Where to next

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.

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

A comparison is not a recommendation. Standards and sources