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

Total Real Returns

SPY,XLP,XLV,XLU,XLE,XLF,XLI,XLK: Total Return Chart (with Dividends Reinvested)

Tue 1998-12-22? to Wed 2026-04-01 YTD
Return
TR
Price
SPY
×
−3.65%
2026-04-01
27.1 TR
2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP
×
+5.46%
2026-04-01
5.824 TR
2026-04-01
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV
×
−4.17%
2026-04-01
8.815 TR
2026-04-01
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU
×
+8.77%
2026-04-01
8.007 TR
2026-04-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE
×
+32.76%
2026-04-01
10.18 TR
2026-04-01
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF
×
−9.27%
2026-04-01
4.429 TR
2026-04-01
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
+6.30%
2026-04-01
11.47 TR
2026-04-01
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK
×
−6.18%
2026-04-01
11.31 TR
2026-04-01
Technology Select Sector SPDR Fund Exchange-Traded Fund

Returns

Tue 1998-12-22? to Wed 2026-04-01 Overall
Return
Exponential
Trendline
SPY
×
+773.55%
+8.27%/yr
+8.72%/yr
(R2=0.871)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP
×
+482.42%
+6.67%/yr
+8.45%/yr
(R2=0.944)
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV
×
+781.48%
+8.31%/yr
+9.48%/yr
(R2=0.919)
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU
×
+700.70%
+7.93%/yr
+8.43%/yr
(R2=0.946)
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE
×
+918.02%
+8.88%/yr
+6.70%/yr
(R2=0.775)
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF
×
+342.86%
+5.61%/yr
+4.79%/yr
(R2=0.534)
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
+1,047.09%
+9.36%/yr
+9.03%/yr
(R2=0.914)
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK
×
+1,031.43%
+9.30%/yr
+10.61%/yr
(R2=0.736)
Technology Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000

Tue 1998-12-22? to Wed 2026-04-01 Start
Value
End
Value
SPY
×
$10,000.00
1998-12-22
$87,355.20
2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP
×
$10,000.00
1998-12-22
$58,241.88
2026-04-01
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV
×
$10,000.00
1998-12-22
$88,147.55
2026-04-01
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU
×
$10,000.00
1998-12-22
$80,070.15
2026-04-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE
×
$10,000.00
1998-12-22
$101,802.30
2026-04-01
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF
×
$10,000.00
1998-12-22
$44,286.39
2026-04-01
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
$10,000.00
1998-12-22
$114,709.27
2026-04-01
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK
×
$10,000.00
1998-12-22
$113,143.46
2026-04-01
Technology Select Sector SPDR Fund Exchange-Traded Fund

Annual Returns

Year SPY XLP XLV XLU XLE XLF XLI XLK
2026 (YTD) −3.65% +5.46% −4.17% +8.77% +32.76% −9.27% +6.30% −6.18%
2025 +17.72% +1.52% +14.50% +16.02% +7.88% +14.90% +19.35% +24.61%
2024 +24.89% +12.20% +2.47% +23.31% +5.56% +30.56% +17.31% +21.63%
2023 +26.18% −0.81% +2.07% −7.16% −0.60% +12.04% +18.13% +56.02%
2022 −18.18% −0.82% −2.09% +1.43% +64.25% −10.59% −5.57% −27.73%
2021 +28.73% +17.21% +26.04% +17.70% +53.28% +34.80% +21.08% +34.74%
2020 +18.33% +10.11% +13.30% +0.51% −32.67% −1.74% +10.90% +43.62%
2019 +31.22% +27.43% +20.45% +25.93% +10.66% +31.87% +29.08% +49.86%
2018 −4.57% −8.07% +6.28% +3.94% −18.22% −13.05% −13.25% −1.68%
2017 +21.71% +12.98% +21.77% +12.05% −0.89% +22.00% +23.98% +34.26%
2016 +12.00% +4.98% −2.76% +16.08% +28.03% +22.42% +20.01% +15.01%
2015 +1.23% +6.87% +6.83% −4.93% −21.50% −1.77% −4.32% +5.47%
2014 +13.46% +15.72% +25.14% +28.75% −8.68% +15.05% +10.37% +17.84%
2013 +32.31% +26.31% +41.41% +13.06% +26.25% +35.53% +40.55% +26.24%
2012 +15.99% +10.73% +17.37% +1.04% +5.21% +28.42% +14.92% +15.30%
2011 +1.89% +14.09% +12.40% +19.64% +2.84% −17.14% −1.10% +2.61%
2010 +15.06% +13.78% +3.30% +5.31% +21.78% +11.90% +27.82% +11.39%
2009 +26.35% +14.28% +19.52% +11.71% +21.76% +17.57% +22.03% +51.32%
2008 −36.79% −15.02% −23.31% −28.91% −38.96% −54.90% −38.73% −41.51%
2007 +5.15% +12.69% +7.16% +18.42% +36.89% −19.18% +13.49% +15.46%
2006 +15.85% +14.49% +7.05% +20.89% +18.09% +18.89% +13.52% +12.16%
2005 +4.83% +2.84% +6.42% +16.39% +40.18% +6.20% +2.75% −0.32%
2004 +10.70% +7.65% +1.27% +23.59% +33.93% +10.86% +17.75% +5.64%
2003 +28.18% +11.17% +14.93% +26.47% +25.81% +30.49% +31.86% +38.67%
2002 −21.58% −20.09% −0.74% −28.78% −14.68% −14.74% −24.57% −38.17%
2001 −11.76% −9.93% −0.83% −13.01% −18.13% −9.43% −10.20% −23.35%
2000 −9.74% +25.54% −11.60% +22.47% +24.40% +25.86% +6.71% −41.88%
1999 +20.39% −14.26% +19.51% −3.19% +17.95% +2.67% +22.22% +65.14%
1998 +28.69% +2.48% +3.87% +1.36% +0.33% +0.54% +5.50% +1.80%
1997 +33.48%
1996 +22.56%
1995 +38.04%
1994 +0.40%
1993 +8.64%

Drawdowns

Tue 1998-12-22? to Wed 2026-04-01 Current
Drawdown
Worst
Drawdown
SPY
×
−5.53% −55.19%
2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP
×
−8.99% −35.89%
2003-03-10
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV
×
−7.41% −39.17%
2009-03-09
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU
×
−2.72% −52.27%
2002-10-09
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE
×
−5.74% −71.54%
2020-03-18
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF
×
−11.89% −82.69%
2009-03-06
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI
×
−7.83% −62.26%
2009-03-09
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK
×
−11.04% −82.05%
2002-10-09
Technology Select Sector SPDR Fund Exchange-Traded Fund