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 Wed 2026-07-22 Overall
Return 		Exponential
Trendline
SPY × 		+695.78%
+15.09%/yr 		+13.60%/yr
R2=0.981
SPDR S&P 500 ETF Trust Exchange-Traded Fund
SCHD × 		+530.15%
+13.29%/yr 		+12.21%/yr
R2=0.977
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund

Growth of $10,000 Summary

Thu 2011-10-20💬 to Wed 2026-07-22 Start
Value 		End
Value
SPY × 		$10,000.00
2011-10-20 		$79,577.65
2026-07-22
SCHD × 		$10,000.00
2011-10-20 		$63,014.75
2026-07-22

This Year’s Performance

through 2026-07-22

  YTD YoY
SPY × 		+10.19% +20.17%
SCHD × 		+21.92% +25.21%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SPY × 		−1.35%
on 2026-07-22
from 2026-06-02 peak 		−33.72%
on 2020-03-23
from 2020-02-19 peak
SCHD × 		−0.42%
on 2026-07-22
from 2026-07-16 peak 		−33.37%
on 2020-03-23
from 2020-01-23 peak

Rolling Returns

Period ending Wed 2026-07-22 1 yr 2 yr 3 yr 5 yr 10 yr
SPY × 		+20.17% +37.95%
+17.45%/yr 		+71.57%
+19.72%/yr 		+83.65%
+12.93%/yr 		+303.91%
+14.98%/yr
SCHD × 		+25.21% +30.79%
+14.36%/yr 		+47.03%
+13.71%/yr 		+56.84%
+9.42%/yr 		+221.17%
+12.38%/yr

Annual Returns

Year SPY SCHD
2026 (YTD) +10.19% +21.92%
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 +1.90% +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% —