SPDR S&P Retail ETF (XRT) Performance
XRT total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +3.5% since Dec 31, 2025
- 1 year
- +3.9% total return
- 5 years
- +0.1% a year
- 10 years
- +9.0% a year
- Since first price
- +9.3% a year since 2006
XRT trailing returns vs SPY, QQQ, AGG
| Period | XRT total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +6.8% | +6.8% | −1.0% | −5.0% | +0.9% |
| 3 months | +1.7% | +1.5% | +3.2% | +1.9% | −0.4% |
| 6 months | +2.5% | +2.0% | +7.8% | +8.4% | −1.5% |
| YTD | +3.5% | +2.8% | +12.3% | +15.1% | −1.0% |
| 1 year | +3.9% | +3.0% | +14.4% | +15.9% | −1.1% |
| 3 years | +55.3%+15.8%/yr | +49.9% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +0.3%+0.1%/yr | −7.2% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| 10 years | +136.6%+9.0%/yr | +104.1% | +315.9%+15.3%/yr | +538.9%+20.4%/yr | +14.0%+1.3%/yr |
| 15 years | +312.8%+9.9%/yr | +236.1% | +696.0%+14.8%/yr | +1,299.3%+19.2%/yr | +32.2%+1.9%/yr |
| 20 years | +448.6%+8.9%/yr | +321.4% | +696.9%+10.9%/yr | +1,839.9%+16.0%/yr | +79.6%+3.0%/yr |
| Since inceptionJun 22, 2006 | +515.0%+9.3%/yr | +372.3% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: XRT vs SPY
From Jun 22, 2006: XRT grew to $61,504, SPY to $88,403.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
XRT returns by calendar year
14 of 19 full years positive. Best 2009 (+77.4%), worst 2008 (−38.0%). 2026 is year to date.
XRT annual returns table
| Year | XRT | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +3.5% | −13.5% | +12.3% | +15.1% | −1.0% |
| 2025 | +8.1% | −23.8% | +17.7% | +20.8% | +7.2% |
| 2024 | +11.8% | −10.5% | +24.9% | +25.6% | +1.3% |
| 2023 | +21.5% | −23.4% | +26.2% | +54.9% | +5.7% |
| 2022 | −31.6% | −37.6% | −18.2% | −32.6% | −13.0% |
| 2021 | +42.6% | −17.4% | +28.7% | +27.4% | −1.8% |
| 2020 | +41.9% | −41.1% | +18.3% | +48.6% | +7.5% |
| 2019 | +14.1% | −17.5% | +31.2% | +39.0% | +8.5% |
| 2018 | −8.0% | −26.2% | −4.6% | −0.1% | +0.1% |
| 2017 | +4.2% | −15.4% | +21.7% | +32.7% | +3.6% |
| 2016 | +3.3% | −13.1% | +12.0% | +7.1% | +2.4% |
| 2015 | −8.9% | −16.6% | +1.2% | +9.4% | +0.5% |
| 2014 | +9.9% | −11.6% | +13.5% | +19.2% | +6.0% |
| 2013 | +42.2% | −6.9% | +32.3% | +36.6% | −2.0% |
| 2012 | +20.7% | −10.1% | +16.0% | +18.1% | +3.8% |
| 2011 | +9.7% | −22.2% | +1.9% | +3.4% | +7.7% |
| 2010 | +37.3% | −22.0% | +15.1% | +19.9% | +6.4% |
| 2009 | +77.4% | −15.7% | +26.4% | +54.7% | +3.0% |
| 2008 | −38.0% | −55.6% | −36.8% | −41.7% | +7.9% |
| 2007 | −17.0% | −25.7% | +5.1% | +19.0% | +6.6% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
XRT largest drawdowns
Now 9.0% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Jun 4, 2007 | −65.8% | Nov 20, 2008 | Apr 14, 2010 | 1.5 years | 2.9 years |
| Aug 23, 2018 | −47.0% | Mar 23, 2020 | Aug 10, 2020 | 1.6 years | 2.0 years |
| Nov 16, 2021 | −44.6% | Sep 30, 2022 | not yet | 10 months | 4.9 years so far |
| Jul 16, 2015 | −24.2% | Feb 11, 2016 | Jun 7, 2018 | 7 months | 2.9 years |
| Jul 7, 2011 | −22.2% | Aug 19, 2011 | Feb 3, 2012 | 43 days | 7 months |
| Apr 26, 2010 | −22.0% | Jul 6, 2010 | Nov 5, 2010 | 2 months | 6 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
XRT risk statistics
| Statistic | 3 years | 5 years | 10 years | Since 2006 |
|---|---|---|---|---|
| Annualized return | +11.8% | −0.3% | +8.1% | +9.0% |
| Volatility (annualized) | 20.4% | 23.5% | 27.4% | 24.6% |
| Sharpe ratio | 0.43 | -0.05 | 0.33 | 0.42 |
| Sortino ratio | 0.73 | -0.08 | 0.57 | 0.67 |
| Best month | +12.5% | +16.1% | +36.8% | +36.8% |
| Worst month | −9.1% | −11.6% | −25.6% | −25.6% |
| Best 12 months | +29.9% | +38.4% | +202.7% | +202.7% |
| Worst 12 months | −11.1% | −36.1% | −39.0% | −47.4% |
| Positive months | 58% | 47% | 53% | 55% |
| Beta vs S&P 500 | 1.14 | 1.16 | 1.27 | — |
| Correlation with S&P 500 | 0.69 | 0.77 | 0.71 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
XRT rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 233 | −47.4% | +9.6% | +202.7% | 65% |
| 3-year (a year) | 209 | −9.5% | +11.5% | +45.5% | 80% |
| 5-year (a year) | 185 | −8.7% | +10.8% | +38.8% | 92% |
| 10-year (a year) | 125 | +4.8% | +9.3% | +19.1% | 100% |
Every holding period starting at a month-end since 2006. Returns for 3 years and longer are annualized.
XRT performance overview
SPDR S&P Retail ETF (XRT) returned +3.9% over the past year and +9.0% a year over ten years, with distributions reinvested. Since its first recorded price in 2006 it has returned +9.3% a year, turning $10,000 into about $61,504. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −65.8%, from Jun 4, 2007 to Nov 20, 2008, and it took 1.4 years to get back to the old high. XRT finished 14 of its 19 full calendar years with a gain; the best year was 2009 (+77.4%) and the worst 2008 (−38.0%). Volatility has been 24.6% a year.
Related: XRT chart, XRT holdings, XRT dividends, XRT valuation. See the XRT overview for the latest quote and fund facts.
XRT performance FAQ
What is the XRT return over the past year?
XRT returned +3.9% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 3.0%.
What is the average annual return of XRT?
XRT has returned +0.1% a year over 5 years, +9.0% a year over 10 years, +9.3% a year since June 22, 2006 (total return, distributions reinvested).
How much would $10,000 invested in XRT be worth?
$10,000 invested in XRT at its first recorded close on June 22, 2006 would be worth about $61,504 on October 23, 2026 with distributions reinvested.
What was the worst year for XRT?
The worst calendar year was 2008, with a total return of −38.0%. The best was 2009 at +77.4%.
What is the biggest drawdown of XRT?
The largest peak-to-trough decline was −65.8% between June 4, 2007 and November 20, 2008. It recovered to the old high on April 14, 2010, 1.4 years after the bottom.
How volatile is XRT?
Over the past 3 years XRT had an annualized volatility of 20.4% and a Sharpe ratio of 0.43 (excess return over 1–3 month T-bills per unit of risk).