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Data as of Oct 28, 2026.

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VTIP vs XLRE: Differences, Returns & Fees

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Over the year to Oct 28, 2026, VTIP returned +2.2% to XLRE's +4.3%; 0% of their weight is in the same names.

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Net assets: $20.9bn on Sep 30, 2026 for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares, and $8.0bn on Oct 27, 2026 for State Street Real Estate Select Sector SPDR ETF.

VTIP on its own →XLRE on its own →
At a glance
+2.2%
VTIP total return, 1 year
+4.3%
XLRE total return, 1 year
0.03%
VTIP expense ratio
0.08%
XLRE expense ratio

Pair scorecard

VTIP costs 0.05 points a year less; their one-year returns differ by 2.1 points; VTIP is 2.7 times larger.

VTIP vs XLRE: Differences, Returns & Fees
MeasureVTIPXLRE
Return
Total return, 1 year+2.2%+4.3%
Drawdown
Below its high7.7%, high on Jul 28, 2026
Benchmark
What it tracksBloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years IndexReal Estate Select Sector Index
Cost and size
Expense ratio0.03%0.08%
Net assets, as of Sep 30, 2026$20.9bn$7.7bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund58.9%

Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, VTIP and XLRE hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VTIP XLRE
Only in one fund ↓
Only in VTIP
United States Treasury Inflation Indexed Bonds 5.30%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.14%
United States Treasury Inflation Indexed Bonds 4.97%
United States Treasury Inflation Indexed Bonds 4.96%
United States Treasury Inflation Indexed Bonds 4.87%
United States Treasury Inflation Indexed Bonds 4.83%
Only in XLRE
WELLTOWER INC 11.14%
PROLOGIS INC 8.19%
EQUINIX INC 6.72%
AMERICAN TOWER CORP 5.84%
PUBLIC STORAGE 4.87%
SIMON PROPERTY GROUP INC 4.76%
VIVMARK RESIDENTIAL 4.42%
DIGITAL REALTY TRUST INC 4.34%
Check overlap with more funds →

Side by side

VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares XLRE State Street Real Estate Select Sector SPDR ETF
Where it sits Bond ETF Stock ETF
Issuer Vanguard State Street
What it is Tracks an index of Short-Term Inflation-Protected Securities Tracks an index of Real estate
Total return, 1 year +2.2% +4.3%
Expense ratio 0.03% 0.08%
Holdings 26 31
Net assets, VTIP as of Sep 30, 2026 and XLRE as of Oct 27, 2026 $20.9bn $8.0bn

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

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About each fund
VTIP

VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested. The prospectus expense ratio is 0.03% a year.

XLRE

XLRE tracks an index of Real estate. Over the year to Oct 28, 2026 it returned +4.3% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 31 positions, with the top ten at 58.9%. It sat 7.7% below its high of Jul 28, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, VTIP or XLRE?
In the year to Oct 28, 2026, with distributions reinvested, VTIP returned +2.2% and XLRE +4.3%.
Which is cheaper, VTIP or XLRE?
VTIP is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
IYR vs VTIPSCHH vs VTIPVNQ vs VTIPVTIP vs XLBIGIB vs XLREHYG vs XLREBINC vs XLRETIP vs XLRE
Where to next
VTIP on its own →XLRE on its own →Hold both: look the portfolio through →Rankings →VTIP dividend history →VTIP holdings →XLRE dividend history →XLRE holdings →Standards and sources →
Sources and dates
VTIP filings on SEC EDGAR ↗
VTIP prospectus with the expense ratio (SEC) ↗
Vanguard page for VTIP ↗
XLRE filings on SEC EDGAR ↗
XLRE prospectus with the expense ratio (SEC) ↗
State Street website ↗

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, VTIP against XLRE, data as of Oct 28, 2026. https://etfiq.com/compare/any/vtip-vs-xlre

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