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

Total Real Returns

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

Tue 1998-12-22? to Thu 2026-04-02 YTD
Return
TR
Price
SPY
×
−3.56%
2026-04-02
27.12 TR
2026-04-02
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF
×
−9.10%
2026-04-02
4.437 TR
2026-04-02
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
+5.87%
2026-04-02
11.42 TR
2026-04-02
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLB
×
+11.65%
2026-04-02
9.472 TR
2026-04-02
Materials Select Sector SPDR Fund Exchange-Traded Fund

Returns

Tue 1998-12-22? to Thu 2026-04-02 Overall
Return
Exponential
Trendline
SPY
×
+774.34%
+8.27%/yr
+8.72%/yr
(R2=0.871)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF
×
+343.67%
+5.61%/yr
+4.79%/yr
(R2=0.534)
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
+1,042.49%
+9.34%/yr
+9.03%/yr
(R2=0.914)
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLB
×
+847.22%
+8.59%/yr
+8.46%/yr
(R2=0.957)
Materials Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000

Tue 1998-12-22? to Thu 2026-04-02 Start
Value
End
Value
SPY
×
$10,000.00
1998-12-22
$87,433.86
2026-04-02
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF
×
$10,000.00
1998-12-22
$44,367.01
2026-04-02
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
$10,000.00
1998-12-22
$114,248.84
2026-04-02
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLB
×
$10,000.00
1998-12-22
$94,721.81
2026-04-02
Materials Select Sector SPDR Fund Exchange-Traded Fund

Annual Returns

Year SPY XLF XLI XLB
2026 (YTD) −3.56% −9.10% +5.87% +11.65%
2025 +17.72% +14.90% +19.35% +9.94%
2024 +24.89% +30.56% +17.31% +0.15%
2023 +26.18% +12.04% +18.13% +12.47%
2022 −18.18% −10.59% −5.57% −12.30%
2021 +28.73% +34.80% +21.08% +27.44%
2020 +18.33% −1.74% +10.90% +20.46%
2019 +31.22% +31.87% +29.08% +24.13%
2018 −4.57% −13.05% −13.25% −14.88%
2017 +21.71% +22.00% +23.98% +24.01%
2016 +12.00% +22.42% +20.01% +16.80%
2015 +1.23% −1.77% −4.32% −8.69%
2014 +13.46% +15.05% +10.37% +7.18%
2013 +32.31% +35.53% +40.55% +25.99%
2012 +15.99% +28.42% +14.92% +14.69%
2011 +1.89% −17.14% −1.10% −10.92%
2010 +15.06% +11.90% +27.82% +20.56%
2009 +26.35% +17.57% +22.03% +48.15%
2008 −36.79% −54.90% −38.73% −44.05%
2007 +5.15% −19.18% +13.49% +22.19%
2006 +15.85% +18.89% +13.52% +19.03%
2005 +4.83% +6.20% +2.75% +4.08%
2004 +10.70% +10.86% +17.75% +13.49%
2003 +28.18% +30.49% +31.86% +37.41%
2002 −21.58% −14.74% −24.57% −5.33%
2001 −11.76% −9.43% −10.20% +2.14%
2000 −9.74% +25.86% +6.71% −11.18%
1999 +20.39% +2.67% +22.22% +23.78%
1998 +28.69% +0.54% +5.50% +5.25%
1997 +33.48%
1996 +22.56%
1995 +38.04%
1994 +0.40%
1993 +8.64%

Drawdowns

Tue 1998-12-22? to Thu 2026-04-02 Current
Drawdown
Worst
Drawdown
SPY
×
−5.45% −55.19%
2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLF
×
−11.73% −82.69%
2009-03-06
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
−8.20% −62.26%
2009-03-09
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLB
×
−5.57% −59.83%
2009-03-02
Materials Select Sector SPDR Fund Exchange-Traded Fund