State Street® SPDR® S&P® Retail ETF

What this fund is

State Street® SPDR® S&P® Retail ETF is an exchange-traded fund (ETF) from SPDR, traded under the ticker XRT (ISIN US78464A7147). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. At its core it is a focused, thematic fund: it concentrates on the consumer discretionary part of the market, so it lives or dies by that one area rather than the economy as a whole. Underneath, it is about owning small slices of companies, so you share in their growth when they do well — and their falls when they don't. It follows the S&P Retail Select Industry Index index (passive investing): it tracks the market rather than relying on a manager, keeping running costs down, and its largest holdings include GROUPON INC, REALREAL INC/THE and COUPANG INC.

With about 77 holdings (the ten largest ≈ 15.8%), your money is diversified rather than concentrated in a handful of names. Its heaviest sectors are ~62.9% Consumer Discretionary and ~16% Consumer Staples. A focused fund like this is typically held as a smaller 'satellite' position around a broader core — a way to lean into one theme, not usually a portfolio's only holding. Its ongoing charge (TER) is 0.35% a year — about €35 a year on a €10,000 holding, taken automatically from the fund. It holds the underlying investments directly (physical replication); it is domiciled in the United States and trades in USD.

Its price has swung about 20.6% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2006. Like any investment, it can lose value as well as gain, and what it did before does not predict what it will do next. (Fund data sourced from SPDR.)