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

In the year to Oct 28, 2026, with distributions reinvested, XLF returned +7.6% and XRT +2.4%.

Which is cheaper, XLF or XRT?

XLF 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 XLF and XRT overlap with the S&P 500?

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

Data as of Oct 28, 2026.

Across categories

XLF vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLF returned +7.6% to XRT's +2.4%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $51.6bn for State Street Financial Select Sector SPDR ETF and $362m for State Street SPDR S&P Retail ETF.

XLF on its own →XRT on its own →

At a glance

+7.6%

XLF total return, 1 year

+2.4%

XRT total return, 1 year

0.08%

XLF expense ratio

0.35%

XRT expense ratio

Pair scorecard

XLF costs 0.27 points a year less; their one-year returns differ by 5.2 points; XLF is far larger, $51.6bn against $362m.

XLF vs XRT: Differences, Returns & Fees
Measure	XLF	XRT
Return
Measure	XLF	XRT
Total return, 1 year	+7.6%	+2.4%
Drawdown
Measure	XLF	XRT
Below its high	3.8%, high on Sep 3, 2026	9.9%, high on Nov 16, 2021
Benchmark
Measure	XLF	XRT
What it tracks	Financial Select Sector Index	S&P Retail Select Industry Index
Cost and size
Measure	XLF	XRT
Expense ratio	0.08%	0.35%
Net assets, as of Oct 27, 2026	$51.6bn	$362m
Holdings
Measure	XLF	XRT
Holdings in common	0%
Top ten holdings, share of the fund	57.4%	16.6%

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

What they share

By the books each fund has filed, XLF 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 XLF XRT

Only in one fund ↓

Only in XLF

BERKSHIRE HATHAWAY INC CL B 12.84%

JPMORGAN CHASE + CO 11.33%

VISA INC CLASS A SHARES 8.69%

MASTERCARD INC A 6.26%

BANK OF AMERICA CORP 4.18%

GOLDMAN SACHS GROUP INC 3.37%

WELLS FARGO + CO 3.17%

MORGAN STANLEY 2.83%

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

XLF State Street Financial 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 Financials Tracks the S&P Retail

Total return, 1 year +7.6% +2.4%

Expense ratio 0.08% 0.35%

Already in the S&P 500 99.8% 22.5%

Holdings 77 74

Net assets, as of Oct 27, 2026 $51.6bn $362m

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

Alert

About each fund

XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% 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 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 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, XLF or XRT?: In the year to Oct 28, 2026, with distributions reinvested, XLF returned +7.6% and XRT +2.4%.
Which is cheaper, XLF or XRT?: XLF 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 XLF and XRT overlap with the S&P 500?: By their latest filed holdings, 100% of XLF and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

XHB vs XLF XLF vs XLY XLF vs XOP VDC vs XLF KRE vs XRT XLI vs XRT XLP vs XRT SCHH vs XRT

Where to next

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

Sources and dates

XLF filings on SEC EDGAR ↗

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

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