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

In the year to Oct 28, 2026, with distributions reinvested, XLC returned −10.4% and XRT +2.4%.

Which is cheaper, XLC or XRT?

XLC is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do XLC and XRT overlap with the S&P 500?

By their latest filed holdings, 100% of XLC and 22% of XRT by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

XLC vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLC returned −10.4% to XRT's +2.4%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $22.1bn for State Street Communication Services Select Sector SPDR ETF and $362m for State Street SPDR S&P Retail ETF.

XLC on its own →XRT on its own →

At a glance

−10.4%

XLC total return, 1 year

+2.4%

XRT total return, 1 year

0.08%

XLC expense ratio

0.35%

XRT expense ratio

Pair scorecard

XLC costs 0.27 points a year less; their one-year returns differ by 12.8 points; XLC is far larger, $22.1bn against $362m.

XLC vs XRT: Differences, Returns & Fees
Measure	XLC	XRT
Return
Measure	XLC	XRT
Total return, 1 year	−10.4%	+2.4%
Drawdown
Measure	XLC	XRT
Below its high	13.3%, high on Jan 30, 2026	9.9%, high on Nov 16, 2021
Benchmark
Measure	XLC	XRT
What it tracks	Communication Services Select Sector Index	S&P Retail Select Industry Index
Cost and size
Measure	XLC	XRT
Expense ratio	0.08%	0.35%
Net assets, as of Oct 27, 2026	$22.1bn	$362m
Holdings
Measure	XLC	XRT
Holdings in common	0%
Top ten holdings, share of the fund	75.3%	16.6%

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

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLC XRT

Only in one fund ↓

Only in XLC

META PLATFORMS INC CLASS A 21.45%

ALPHABET INC CL A 12.27%

ALPHABET INC CL C 9.82%

WALT DISNEY CO 5.33%

TAKE TWO INTERACTIVE SOFTWRE 4.80%

COMCAST CORP CLASS A 4.48%

VERIZON COMMUNICATIONS INC 4.45%

APPLOVIN CORP CLASS A 4.34%

Only in XRT

KOHLS CORP 1.85%

MAPLEBEAR INC 1.76%

BATH + BODY WORKS INC 1.69%

ETSY INC 1.68%

VICTORIA S SECRET + CO 1.66%

BJ S WHOLESALE CLUB HOLDINGS 1.62%

GAMESTOP CORP CLASS A 1.60%

OLLIE S BARGAIN OUTLET HOLDI 1.60%

Check overlap with more funds →

Side by side

XLC State Street Communication Services Select Sector SPDR ETF XRT State Street SPDR S&P Retail ETF

Where it sits Stock ETF Stock ETF

Issuer State Street State Street

What it is Tracks an index of Communication services Tracks the S&P Retail

Total return, 1 year −10.4% +2.4%

Expense ratio 0.08% 0.35%

Already in the S&P 500 99.8% 22.5%

Holdings 23 74

Net assets, as of Oct 27, 2026 $22.1bn $362m

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

Alert

About each fund

XLC

XLC tracks an index of Communication services. Over the year to Oct 28, 2026 it returned −10.4% 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 23 positions, with the top ten at 75.3%. It sat 13.3% below its high of Jan 30, 2026 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, XLC or XRT?: In the year to Oct 28, 2026, with distributions reinvested, XLC returned −10.4% and XRT +2.4%.
Which is cheaper, XLC or XRT?: XLC is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do XLC and XRT overlap with the S&P 500?: By their latest filed holdings, 100% of XLC and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

XLC vs XLY XHB vs XLC FCOM vs XLC XLC vs XOP VOX vs XRT XLY vs XRT XLU vs XRT VHT vs XRT

Where to next

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

Sources and dates

XLC filings on SEC EDGAR ↗

XLC prospectus with the expense ratio (SEC) ↗

State Street website ↗

XRT filings on SEC EDGAR ↗

XRT prospectus with the expense ratio (SEC) ↗

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

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