XRT — State Street SPDR S&P Retail ETF
Consumer Discretionary Ranked #403 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 (XRT) is a Consumer Discretionary fund managed by State Street Investment Management with $381 million in assets under management. Trading at $91.52, the fund carries an expense ratio of 0.35% and offers a dividend yield of 0.58%. It currently holds an overall rank of #403 out of 458 tracked ETFs across all categories, receiving an ETFValuer grade of D with a score of 44.1 out of 100. Within its specific category of 8 ETFs tracked by ETFValuer, the fund's positioning reflects a moderate level of investor adoption relative to its peers. The combination of a mid-tier asset size and a lower grade suggests the fund has not achieved the same scale or performance recognition as top-ranked alternatives in the sector. Its cost structure and income profile remain standard for the category, though the overall ranking indicates significant room for improvement in investor appeal. The fund's current market capitalization and price point place it among the smaller players in the broader ETF landscape despite its established issuer.
Over the last trading day, the fund posted a return of +2.21%, followed by a weekly gain of +3.46% and a monthly increase of +3.16%. The three-month performance accelerated to +7.59%, while the six-month return moderated to +3.58%, indicating a divergence between recent short-term momentum and the preceding half-year trend. Year-to-date returns stand at +7.06%, which trails the one-year return of +12.82%, suggesting that recent gains have not fully compensated for earlier periods. The three-year return of +42.03% demonstrates a substantial long-term accumulation of value compared to the shorter horizons. This pattern shows a general upward trajectory over the longer term, though the deceleration from the one-year to the six-month period highlights some volatility in the rate of return. The fund's performance across these varying timeframes presents a mixed picture of recent strength against a backdrop of slower intermediate growth.
The fund exhibits a moderate volatility label alongside a beta of 1.19, indicating that its price movements tend to be slightly more sensitive to market fluctuations than the broader benchmark. A Sharpe ratio of 0.37 suggests that the risk-adjusted returns generated by the fund have been relatively modest compared to the volatility experienced. The maximum drawdown of -25.62% reveals the extent of potential losses during adverse market conditions, highlighting significant downside risk for investors. This combination of a beta above 1.0 and a substantial maximum drawdown implies that the fund can amplify market declines while delivering returns that may not fully compensate for the associated risk. The moderate volatility classification aligns with the beta figure, confirming that the fund does not offer a low-risk profile despite its long-term positive returns. Investors should consider that the fund's behavior in down markets could result in sharper declines than the broader market, as evidenced by the drawdown metric.
AI-generated summary based on the data on this page.
XRT Top Holdings
| # | Holding | % of Net Assets | Value |
|---|---|---|---|
| 1 | State Street Global Advisors | 2.27% | $5M |
| 2 | Grocery Outlet Holding Corp | 1.64% | $4M |
| 3 | Sonic Automotive Inc | 1.61% | $3M |
| 4 | Murphy USA Inc | 1.60% | $3M |
| 5 | Burlington Stores Inc | 1.54% | $3M |
| 6 | Casey's General Stores Inc | 1.53% | $3M |
| 7 | Group 1 Automotive Inc | 1.53% | $3M |
| 8 | BJ's Wholesale Club Holdings Inc | 1.52% | $3M |
| 9 | Chewy Inc | 1.51% | $3M |
| 10 | Ingles Markets Inc | 1.51% | $3M |
Holdings as of 2026-03-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 16.3% 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 — SPMD overlaps most, holding 2 of the same companies as XRT's top 10 (3.8% of XRT's assets).
| ETF | Name | Shared Companies | XRT Weight | Examples |
|---|---|---|---|---|
| SPMD | State Street SPDR Portfolio S&P 400 Mid Cap ETF | 2 | 3.8% | State Street Global Advisors, Casey's General Stores Inc |
| MDYG | State Street SPDR S&P 400 Mid Cap Growth ETF | 2 | 3.8% | State Street Global Advisors, Casey's General Stores Inc |
| SPDW | State Street SPDR Portfolio Developed World ex-US ETF | 1 | 2.3% | State Street Global Advisors |
| SPEM | State Street SPDR Portfolio Emerging Markets ETF | 1 | 2.3% | State Street Global Advisors |
| JNK | State Street SPDR Bloomberg High Yield Bond ETF | 1 | 2.3% | 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: 4.65% (as of 2026-07-27) — 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): 18.67 (as of 2026-07-27) — 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 2026-06-01) — 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 0.58%. 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 — and average daily volume is 5.3M/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 $381M 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 | +2.21% |
| 1-Week | +3.46% |
| 1-Month | +3.16% |
| 3-Month | +7.59% |
| 6-Month | +3.58% |
| YTD | +7.06% |
| 1-Year | +12.82% |
| 3-Year | +42.03% |
How XRT Compares to Other Consumer Discretionary ETFs
| Rank | Grade | Ticker | Name | 1-Year | Exp. Ratio | AUM |
|---|---|---|---|---|---|---|
| #366 | C |
JETS | U.S. Global Jets ETF | +30.68% | 0.6% | $959M |
| #396 | D |
XLY | State Street Consumer Discretionary Select Sector SPDR ETF | +0.82% | 0.08% | $22.6B |
| #401 | D |
VCR | Vanguard Consumer Discretionary Index Fund ETF Shares | +2.81% | 0.09% | $6.83B |
| #403 | D |
XRT | State Street SPDR S&P Retail ETF | +12.82% | 0.35% | $381M |
| #412 | D |
FDIS | Fidelity MSCI Consumer Discretionary Index ETF | +2.85% | 0.084% | $1.70B |
| #418 | D |
IYC | iShares US Consumer Discretionary ETF | -0.80% | 0.38% | $1.16B |
| #424 | D |
XHB | State Street SPDR S&P Homebuilders ETF | +3.70% | 0.35% | $1.63B |
| #434 | D |
ITB | iShares U.S. Home Construction ETF | +0.54% | 0.38% | $2.60B |