Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
VT vs XRT: how they differ
VT and XRT hold 0% of their weight in the same names, and VT returned more over the year.
Vanguard Total World Stock 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, VT and XRT hold 0% of their money in the same securities at the same weight.
| Only in VT | Only in XRT |
|---|---|
| NVIDIA Corp 4.22% | ABERCROMBIE + FITCH CO CL A 2.37% |
| Apple Inc 3.53% | MARINEMAX INC 2.27% |
| Microsoft Corp 2.73% | CARMAX INC 1.77% |
| Amazon.com Inc 2.29% | FIVE BELOW 1.75% |
| Alphabet Inc 2.04% | TARGET CORP 1.73% |
| Broadcom Inc 1.74% | PENSKE AUTOMOTIVE GROUP INC 1.72% |
| Alphabet Inc 1.61% | SALLY BEAUTY HOLDINGS INC 1.71% |
| Taiwan Semiconductor Manufacturing Co Lt 1.52% | 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 Apr 30, 2026 and Sep 10, 2026.
| VT Vanguard Total World Stock 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 | Total World Stock | SPDR S&P Retail |
| Total return, 1 year | +18.9% | −3.0% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +1.4 pts | −20.6 pts |
| Expense ratio | 0.06% | 0.35% |
| Already in the S&P 500 | 55.2% | 22.5% |
| Holdings | 10042 | 77 |
VT in plain words
VT is an index equity fund tracking the Total World Stock. Over the year to Sep 11, 2026 it returned +18.9% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.06% a year. By its holdings filed for Apr 30, 2026, 55% of the fund by weight is stocks the S&P 500 also holds, across 10042 positions, with the top ten at 21.9%.
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, VT or XRT?
- In the year to Sep 13, 2026, with distributions reinvested, VT returned +18.9% and XRT returned −3.0%, so VT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, VT or XRT?
- VT charges 0.06% a year and XRT charges 0.35%, so VT is cheaper. Fees come from each fund's prospectus.
- How much do VT and XRT overlap with the S&P 500?
- By their latest filed holdings, 55% of VT and 22% of XRT by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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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.
Cite this page. ETFIQ, VT against XRT, data as of Sep 13, 2026. https://etfiq.com/compare/any/vt-vs-xrt Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources