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 Thu 2026-05-14 YTD
Return 		TR
Price
SPY × 		+10.01%
2026-05-14 		30.94 TR
2026-05-14
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		+10.01%
2026-05-14 		6.076 TR
2026-05-14
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		−4.89%
2026-05-14 		8.749 TR
2026-05-14
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		+5.91%
2026-05-14 		7.797 TR
2026-05-14
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		+30.73%
2026-05-14 		10.02 TR
2026-05-14
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		−5.87%
2026-05-14 		4.594 TR
2026-05-14
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		+12.82%
2026-05-14 		12.17 TR
2026-05-14
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		+24.83%
2026-05-14 		15.05 TR
2026-05-14
Technology Select Sector SPDR Fund Exchange-Traded Fund

Returns

Tue 1998-12-22? to Thu 2026-05-14 Overall
Return 		Exponential
Trendline
SPY × 		+897.44%
+8.76%/yr 		+8.76%/yr
(R2=0.872)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		+507.59%
+6.81%/yr 		+8.45%/yr
(R2=0.945)
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		+774.91%
+8.24%/yr 		+9.48%/yr
(R2=0.920)
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		+679.69%
+7.79%/yr 		+8.45%/yr
(R2=0.947)
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		+902.49%
+8.78%/yr 		+6.73%/yr
(R2=0.778)
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		+359.44%
+5.72%/yr 		+4.83%/yr
(R2=0.540)
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		+1,117.41%
+9.55%/yr 		+9.06%/yr
(R2=0.914)
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		+1,405.39%
+10.41%/yr 		+10.68%/yr
(R2=0.739)
Technology Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000

Tue 1998-12-22? to Thu 2026-05-14 Start
Value 		End
Value
SPY × 		$10,000.00
1998-12-22 		$99,744.43
2026-05-14
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		$10,000.00
1998-12-22 		$60,758.59
2026-05-14
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		$10,000.00
1998-12-22 		$87,491.20
2026-05-14
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		$10,000.00
1998-12-22 		$77,968.99
2026-05-14
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		$10,000.00
1998-12-22 		$100,248.59
2026-05-14
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		$10,000.00
1998-12-22 		$45,943.55
2026-05-14
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		$10,000.00
1998-12-22 		$121,741.25
2026-05-14
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		$10,000.00
1998-12-22 		$150,539.26
2026-05-14
Technology Select Sector SPDR Fund Exchange-Traded Fund

Annual Returns

Year SPY XLP XLV XLU XLE XLF XLI XLK
2026 (YTD) +10.01% +10.01% −4.89% +5.91% +30.73% −5.87% +12.82% +24.83%
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 Thu 2026-05-14 Current
Drawdown 		Worst
Drawdown
SPY × 		0.00% −55.19%
2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		−5.06% −35.89%
2003-03-10
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		−8.09% −39.17%
2009-03-09
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		−5.27% −52.27%
2002-10-09
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		−7.18% −71.54%
2020-03-18
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		−8.59% −82.69%
2009-03-06
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		−2.18% −62.26%
2009-03-09
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		0.00% −82.05%
2002-10-09
Technology Select Sector SPDR Fund Exchange-Traded Fund

Rolling Returns

Period ending Thu 2026-05-14 1
Year 		2
Years 		3
Years 		5
Years 		10
Years
SPY × 		+28.79% +46.45%
+21.03%/yr 		+88.90%
+23.56%/yr 		+92.30%
+13.97%/yr 		+330.09%
+15.70%/yr
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		+9.84% +15.99%
+7.70%/yr 		+19.58%
+6.13%/yr 		+36.69%
+6.45%/yr 		+108.57%
+7.63%/yr
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		+15.90% +5.27%
+2.60%/yr 		+16.61%
+5.24%/yr 		+28.73%
+5.18%/yr 		+150.61%
+9.62%/yr
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		+16.46% +33.19%
+15.42%/yr 		+42.63%
+12.54%/yr 		+58.60%
+9.66%/yr 		+149.96%
+9.59%/yr
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		+40.61% +32.14%
+14.96%/yr 		+63.13%
+17.68%/yr 		+161.19%
+21.17%/yr 		+165.46%
+10.25%/yr
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		+2.24% +26.33%
+12.40%/yr 		+68.77%
+19.02%/yr 		+47.73%
+8.12%/yr 		+232.67%
+12.77%/yr
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		+25.79% +43.46%
+19.79%/yr 		+85.32%
+22.78%/yr 		+79.82%
+12.45%/yr 		+277.66%
+14.21%/yr
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		+54.21% +74.51%
+32.13%/yr 		+142.81%
+34.33%/yr 		+174.27%
+22.36%/yr 		+848.25%
+25.22%/yr
Technology Select Sector SPDR Fund Exchange-Traded Fund