XRT — State Street SPDR S&P Retail ETF
Consumer Discretionary Ranked #435 of 458 tracked ETFs · Issued by State Street Investment Management
XRT Price Performance — Growth of $10,000
Value of a $10,000 investment in XRT over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.
XRT Drawdown
The "underwater" chart: XRT's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.
What If You'd Invested in XRT?
See what a lump sum in XRT would have grown to, with the option to add a regular monthly contribution on top. Figures use total returns — dividends are assumed reinvested.
Past performance doesn't predict future results. Assumes contributions on the first trading day of each month, no trading costs or taxes, and reinvested distributions. History is limited to the range published in the site's daily return data.
Overview
The State Street SPDR S&P Retail ETF, issued by State Street Investment Management, tracks the consumer discretionary sector with $362 million in assets. It holds an overall grade of D and ranks 6 of 8 within its category, placing it near the bottom of its peer group. The fund’s expense ratio of 0.35% matches the category median, while its dividend yield of 0.61% trails the sector median of 0.73%. Top holdings account for 19.5% of assets, with the largest single position representing 4.9% of the portfolio.
Returns show a divergence between short-term weakness and long-term growth, with the 1-year return of -2.82% contrasting against a 3-year gain of +38.65%. Recent momentum has turned negative, as evidenced by declines of -1.63% over one day and -6.94% over one month. Despite these recent losses, the price of $84.30 sits at 43.4% of its 52-week range. The fund’s grade has remained unchanged at D across the last 35 tracked days, and price history is available for 3.0 years.
With a beta of 1.14, the ETF has moved more than the broader market, contributing to its annualized volatility of 20.72%, which is labeled as moderate. A maximum drawdown of -25.62% highlights the severity of past declines during the tracked period. The Sharpe ratio of -0.38 indicates that risk-adjusted returns have been negative. Liquidity remains robust, supported by an average daily volume of 4,323,074 shares and a tight bid/ask spread of 0.01%.
AI-generated summary based on the data on this page.
XRT Top Holdings
| # | Holding | % of Net Assets | Value |
|---|---|---|---|
| 1 | State Street Global Advisors | 4.89% | $19M |
| 2 | Groupon Inc | 1.78% | $7M |
| 3 | RealReal Inc/The | 1.75% | $7M |
| 4 | Bath & Body Works Inc | 1.72% | $7M |
| 5 | Warby Parker Inc | 1.64% | $6M |
| 6 | Upbound Group Inc | 1.58% | $6M |
| 7 | Maplebear Inc | 1.55% | $6M |
| 8 | Coupang Inc | 1.55% | $6M |
| 9 | Revolve Group Inc | 1.52% | $6M |
| 10 | Victoria's Secret & Co | 1.52% | $6M |
Holdings as of 2026-06-30 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 19.5% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how XRT's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.
Which Funds Overlap With XRT
Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with XRT's top 10 — SLYV overlaps most, holding 2 of the same companies as XRT's top 10 (6.4% of XRT's assets).
| ETF | Name | Shared Companies | XRT Weight | Examples |
|---|---|---|---|---|
| SLYV | State Street SPDR S&P 600 Small Cap Value ETF | 2 | 6.4% | State Street Global Advisors, Victoria's Secret & Co |
| SPDW | State Street SPDR Portfolio Developed World ex-US ETF | 1 | 4.9% | State Street Global Advisors |
| SPEM | State Street SPDR Portfolio Emerging Markets ETF | 1 | 4.9% | State Street Global Advisors |
| SDY | State Street SPDR S&P Dividend ETF | 1 | 4.9% | State Street Global Advisors |
| KRE | State Street SPDR S&P Regional Banking ETF | 1 | 4.9% | State Street Global Advisors |
Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.
Market Backdrop
10-Year Treasury Yield: 4.80% (as of 2026-09-08) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.
CBOE Volatility Index (VIX): 15.72 (as of 2026-09-08) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.
Federal Funds Rate: 3.63% (as of 2026-08-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.
What XRT's Fees Cost You
XRT charges an expense ratio of 0.35% a year, deducted automatically from the fund's value. Small percentages compound into real money — adjust the figures below to see the impact on your own numbers.
Assumes a constant gross return and no additional contributions — a simplification, but it isolates exactly what the expense ratio costs. Try the full fee calculator to model contributions and compare any two funds.
XRT Dividend Income Estimator
XRT currently yields 0.61%. Enter an amount to see the income that implies, or set a monthly income target to see the investment it would take.
Based on the fund's current trailing yield, which varies with price and distributions — treat it as an estimate, not a guarantee. Yields are not adjusted for tax.
XRT Liquidity, Domicile & Tax Treatment
Liquidity: Quoted bid/ask spread is 0.01% and average daily volume is 4.3M/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $362M provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.
Domicile & tax treatment: XRT is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.
XRT Performance History
| Period | Return |
|---|---|
| 1-Day | -1.63% |
| 1-Week | -1.89% |
| 1-Month | -6.94% |
| 3-Month | -0.41% |
| 6-Month | +2.52% |
| YTD | -1.39% |
| 1-Year | -2.82% |
| 3-Year | +38.65% |
How XRT Compares to Other Consumer Discretionary ETFs
| Rank | Grade | Ticker | Name | 1-Year | Exp. Ratio | AUM |
|---|---|---|---|---|---|---|
| #406 | D |
XLY | State Street Consumer Discretionary Select Sector SPDR ETF | -3.96% | 0.08% | $22.7B |
| #415 | D |
VCR | Vanguard Consumer Discretionary Index Fund ETF Shares | -2.98% | 0.09% | $6.63B |
| #421 | D |
FDIS | Fidelity MSCI Consumer Discretionary Index ETF | -2.84% | 0.084% | $1.69B |
| #422 | D |
IYC | iShares US Consumer Discretionary ETF | -6.76% | 0.37% | $1.19B |
| #425 | D |
JETS | U.S. Global Jets ETF | +8.11% | 0.6% | $765M |
| #435 | D |
XRT | State Street SPDR S&P Retail ETF | -2.82% | 0.35% | $362M |
| #442 | D |
XHB | State Street SPDR S&P Homebuilders ETF | -16.39% | 0.35% | $1.33B |
| #450 | F |
ITB | iShares U.S. Home Construction ETF | -22.41% | 0.37% | $2.36B |