Growth of $10,000 in XRT
State Street® SPDR® S&P® Retail ETF · State Street (SPDR)
A $10,000 investment compounding at XRT’s trailing 10-year annualized total return of 8.9% would reach $55,329 in 20 years. The table shows every combination of averaging period and horizon; returns include dividends and are net of the fund's 0.35% expense ratio. Past performance does not predict future results.
Projection table
| Horizon | At 3-year avg (12.1%) | At 5-year avg (0.7%) | At 10-year avg (8.9%) |
|---|---|---|---|
| 5 years | $17,734 | $10,334 | $15,337 |
| 10 years | $31,449 | $10,680 | $23,522 |
| 15 years | $55,771 | $11,037 | $36,076 |
| 20 years | $98,903 | $11,406 | $55,329 |
| 25 years | $175,394 | $11,788 | $84,857 |
| 30 years | $311,040 | $12,182 | $130,144 |
Annualized total returns as of Aug 7, 2026, dividends reinvested. A constant rate is an illustration of compounding — real markets are far bumpier.
Want a different amount, horizon or a side-by-side fund comparison? Open XRT in the interactive calculator →
Frequently Asked Questions
What would $10,000 in XRT be worth in 10 years?
Compounding at its trailing 10-year annualized return of 8.9%, $10,000 in XRT would grow to about $23,522 in 10 years and $55,329 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is XRT's average annual return?
As of Aug 7, 2026, XRT's annualized total returns were 12.1% over 3 years, 0.7% over 5 years, 8.9% over 10 years — dividends reinvested, net of its 0.35% expense ratio.