SPY,XLF Total Return Stock Chart (Dividends Reinvested) | Total Real Returns

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

Total Real Returns

SPY,XLF: Total Return Chart (with Dividends Reinvested)

Dividends Reinvested:

Tue 1998-12-22^? to Tue 2025-10-07	YTD Return	TR Price
SPY ^×	+15.17% 2025-10-07	27.52 TR 2025-10-07
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF ^×	+12.41% 2025-10-07	4.775 TR 2025-10-07
Financial Select Sector SPDR Fund Exchange-Traded Fund

Returns

Tue 1998-12-22^? to Tue 2025-10-07	Overall Return	Exponential Trendline
SPY ^×	+787.00% +8.49%/yr	+8.55%/yr (R²=0.865)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF ^×	+377.52% +6.01%/yr	+4.58%/yr (R²=0.509)
Financial Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000

Tue 1998-12-22^? to Tue 2025-10-07	Start Value	End Value
SPY ^×	$10,000.00 1998-12-22	$88,699.88 2025-10-07
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF ^×	$10,000.00 1998-12-22	$47,751.84 2025-10-07
Financial Select Sector SPDR Fund Exchange-Traded Fund

Annual Returns

Year	SPY	XLF
2025 (YTD)	+15.17%	+12.41%
2024	+24.89%	+30.56%
2023	+26.18%	+12.04%
2022	−18.18%	−10.59%
2021	+28.73%	+34.80%
2020	+18.33%	−1.74%
2019	+31.22%	+31.87%
2018	−4.57%	−13.05%
2017	+21.71%	+22.00%
2016	+12.00%	+22.42%
2015	+1.23%	−1.77%
2014	+13.46%	+15.05%
2013	+32.31%	+35.53%
2012	+15.99%	+28.42%
2011	+1.89%	−17.14%
2010	+15.06%	+11.90%
2009	+26.35%	+17.57%
2008	−36.79%	−54.90%
2007	+5.15%	−19.18%
2006	+15.85%	+18.89%
2005	+4.83%	+6.20%
2004	+10.70%	+10.86%
2003	+28.18%	+30.49%
2002	−21.58%	−14.74%
2001	−11.76%	−9.43%
2000	−9.74%	+25.86%
1999	+20.39%	+2.67%
1998	+28.69%	+0.54%
1997	+33.47%	—
1996	+22.50%	—
1995	+38.06%	—
1994	+0.40%	—
1993	+8.71%	—

Drawdowns

Tue 1998-12-22^? to Tue 2025-10-07	Current Drawdown	Worst Drawdown
SPY ^×	−0.37%	−55.19% 2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF ^×	−0.67%	−82.69% 2009-03-06
Financial Select Sector SPDR Fund Exchange-Traded Fund