All charts and data below are with dividends reinvested. (Inflation adjustment is OFF !)

Total Real Returns

SPY vs. SCHD vs. QQQ: Total Return Chart (with Dividends Reinvested)

Growth of $10,000

Thu 2011-10-20💬 to Thu 2026-10-15 Overall
Return 		Exponential
Trendline
SPY × 		+723.76%
+15.11%/yr 		+13.68%/yr
R2=0.982
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
SCHD × 		+558.33%
+13.40%/yr 		+12.24%/yr
R2=0.978
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund
QQQ × 		+1,364.36%
+19.61%/yr 		+19.00%/yr
R2=0.981
Invesco QQQ Trust NASDAQ Exchange-Traded Fund

Growth of $10,000 Summary

Thu 2011-10-20💬 to Thu 2026-10-15 Start
Value 		End
Value
SPY × 		$10,000.00
2011-10-20 		$82,376.11
2026-10-15
SCHD × 		$10,000.00
2011-10-20 		$65,832.66
2026-10-15
QQQ × 		$10,000.00
2011-10-20 		$146,435.86
2026-10-15

This Year’s Performance

through 2026-10-15

  YTD YoY
SPY × 		+14.06% +17.28%
SCHD × 		+27.37% +31.80%
QQQ × 		+18.91% +21.45%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SPY × 		−0.94%
on 2026-10-15
from 2026-10-06 peak 		−33.72%
on 2020-03-23
from 2020-02-19 peak
SCHD × 		−2.38%
on 2026-10-15
from 2026-08-24 peak 		−33.37%
on 2020-03-23
from 2020-01-23 peak
QQQ × 		−4.17%
on 2026-10-15
from 2026-10-06 peak 		−35.12%
on 2022-11-03
from 2021-12-27 peak

Rolling Returns

Period ending Thu 2026-10-15 1 yr 2 yr 3 yr 5 yr 10 yr
SPY × 		+17.28% +36.19%
+16.70%/yr 		+85.46%
+22.86%/yr 		+85.07%
+13.10%/yr 		+324.05%
+15.54%/yr
SCHD × 		+31.80% +28.27%
+13.26%/yr 		+62.30%
+17.52%/yr 		+58.80%
+9.69%/yr 		+244.58%
+13.17%/yr
QQQ × 		+21.45% +49.82%
+22.40%/yr 		+102.70%
+26.56%/yr 		+103.30%
+15.25%/yr 		+565.98%
+20.88%/yr

Annual Returns

Year SPY SCHD QQQ
2026 (YTD) +14.06% +27.37% +18.91%
2025 +17.72% +4.34% +20.77%
2024 +24.89% +11.66% +25.58%
2023 +26.18% +4.54% +54.86%
2022 −18.18% −3.26% −32.58%
2021 +28.73% +29.87% +27.42%
2020 +18.33% +15.03% +48.62%
2019 +31.22% +27.29% +38.96%
2018 −4.57% −5.56% −0.13%
2017 +21.71% +20.85% +32.66%
2016 +12.00% +16.45% +7.10%
2015 +1.23% −0.30% +9.44%
2014 +13.46% +11.69% +19.18%
2013 +32.31% +32.88% +36.63%
2012 +15.99% +11.39% +18.11%
2011 +1.89% +5.31% +3.38%
2010 +15.06% — +19.91%
2009 +26.35% — +54.70%
2008 −36.79% — −41.73%
2007 +5.15% — +19.03%
2006 +15.85% — +7.15%
2005 +4.83% — +1.56%
2004 +10.70% — +10.54%
2003 +28.18% — +49.67%
2002 −21.58% — −37.37%
2001 −11.76% — −33.34%
2000 −9.74% — −36.11%
1999 +20.39% — +78.95%
1998 +28.69% — —
1997 +33.48% — —
1996 +22.56% — —
1995 +38.04% — —
1994 +0.40% — —
1993 +8.64% — —