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

Total Real Returns

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

Growth of $10,000

Thu 2011-10-20💬 to Fri 2026-10-30 Overall
Return 		Exponential
Trendline
SPY × 		+706.61%
+14.90%/yr 		+13.70%/yr
R2=0.982
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
SCHD × 		+590.76%
+13.72%/yr 		+12.25%/yr
R2=0.979
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund

Growth of $10,000 Summary

Thu 2011-10-20💬 to Fri 2026-10-30 Start
Value 		End
Value
SPY × 		$10,000.00
2011-10-20 		$80,660.81
2026-10-30
SCHD × 		$10,000.00
2011-10-20 		$69,076.03
2026-10-30

This Year’s Performance

through 2026-10-30

  YTD YoY
SPY × 		+11.69% +12.36%
SCHD × 		+33.65% +38.81%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SPY × 		−3.00%
on 2026-10-30
from 2026-10-06 peak 		−33.72%
on 2020-03-23
from 2020-02-19 peak
SCHD × 		—
on 2026-10-30 		−33.37%
on 2020-03-23
from 2020-01-23 peak

Rolling Returns

Period ending Fri 2026-10-30 1 yr 2 yr 3 yr 5 yr 10 yr
SPY × 		+12.36% +33.30%
+15.46%/yr 		+88.55%
+23.54%/yr 		+75.94%
+11.96%/yr 		+316.36%
+15.33%/yr
SCHD × 		+38.81% +36.45%
+16.81%/yr 		+76.92%
+20.95%/yr 		+65.53%
+10.61%/yr 		+261.21%
+13.70%/yr

Annual Returns

Year SPY SCHD
2026 (YTD) +11.69% +33.65%
2025 +17.72% +4.34%
2024 +24.89% +11.66%
2023 +26.18% +4.54%
2022 −18.18% −3.26%
2021 +28.73% +29.87%
2020 +18.33% +15.03%
2019 +31.22% +27.29%
2018 −4.57% −5.56%
2017 +21.71% +20.85%
2016 +12.00% +16.45%
2015 +1.23% −0.30%
2014 +13.46% +11.69%
2013 +32.31% +32.88%
2012 +15.99% +11.39%
2011 +1.89% +5.31%
2010 +15.06% —
2009 +26.35% —
2008 −36.79% —
2007 +5.15% —
2006 +15.85% —
2005 +4.83% —
2004 +10.70% —
2003 +28.18% —
2002 −21.58% —
2001 −11.76% —
2000 −9.74% —
1999 +20.39% —
1998 +28.69% —
1997 +33.48% —
1996 +22.56% —
1995 +38.04% —
1994 +0.40% —
1993 +8.64% —