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

Total Real Returns

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

Growth of $10,000

Tue 1998-12-22💬 to Mon 2026-10-19 Overall
Return 		Exponential
Trendline
SPY × 		+927.03%
+8.73%/yr 		+8.92%/yr
R2=0.876
State Street SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP × 		+532.04%
+6.85%/yr 		+8.45%/yr
R2=0.947
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV × 		+956.70%
+8.84%/yr 		+9.52%/yr
R2=0.923
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU × 		+628.12%
+7.40%/yr 		+8.48%/yr
R2=0.949
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE × 		+1,085.87%
+9.29%/yr 		+6.84%/yr
R2=0.788
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF × 		+396.68%
+5.93%/yr 		+5.01%/yr
R2=0.561
Financial Select Sector SPDR Fund Exchange-Traded Fund
XLI × 		+1,068.77%
+9.24%/yr 		+9.19%/yr
R2=0.917
Industrial Select Sector SPDR Fund Exchange-Traded Fund
XLK × 		+1,463.25%
+10.39%/yr 		+11.00%/yr
R2=0.750
Technology Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000 Summary

Tue 1998-12-22💬 to Mon 2026-10-19 Start
Value 		End
Value
SPY × 		$10,000.00
1998-12-22 		$102,703.32
2026-10-19
XLP × 		$10,000.00
1998-12-22 		$63,204.35
2026-10-19
XLV × 		$10,000.00
1998-12-22 		$105,670.03
2026-10-19
XLU × 		$10,000.00
1998-12-22 		$72,811.77
2026-10-19
XLE × 		$10,000.00
1998-12-22 		$118,587.45
2026-10-19
XLF × 		$10,000.00
1998-12-22 		$49,668.04
2026-10-19
XLI × 		$10,000.00
1998-12-22 		$116,877.38
2026-10-19
XLK × 		$10,000.00
1998-12-22 		$156,325.39
2026-10-19

This Year’s Performance

through 2026-10-19

  YTD YoY
SPY × 		+13.28% +16.61%
XLP × 		+14.44% +12.39%
XLV × 		+14.87% +24.65%
XLU × 		−1.09% −7.09%
XLE × 		+54.64% +62.20%
XLF × 		+1.76% +7.18%
XLI × 		+8.31% +11.11%
XLK × 		+29.63% +31.16%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SPY × 		−1.62%
on 2026-10-19
from 2026-10-06 peak 		−55.19%
on 2009-03-09
from 2007-10-09 peak
XLP × 		−1.23%
on 2026-10-19
from 2026-02-27 peak 		−35.89%
on 2003-03-10
from 2000-12-28 peak
XLV × 		−0.87%
on 2026-10-19
from 2026-10-15 peak 		−39.17%
on 2009-03-09
from 2007-12-10 peak
XLU × 		−11.54%
on 2026-10-19
from 2026-02-27 peak 		−52.27%
on 2002-10-09
from 2000-12-13 peak
XLE × 		−0.64%
on 2026-10-19
from 2026-10-16 peak 		−71.54%
on 2020-03-18
from 2014-06-23 peak
XLF × 		−5.64%
on 2026-10-19
from 2026-09-03 peak 		−82.69%
on 2009-03-06
from 2007-06-01 peak
XLI × 		−10.39%
on 2026-10-19
from 2026-08-14 peak 		−62.26%
on 2009-03-09
from 2007-10-09 peak
XLK × 		−7.94%
on 2026-10-19
from 2026-10-06 peak 		−82.05%
on 2002-10-09
from 2000-03-27 peak

Rolling Returns

Period ending Mon 2026-10-19 1 yr 2 yr 3 yr 5 yr 10 yr
SPY × 		+16.61% +34.14%
+15.82%/yr 		+86.38%
+23.06%/yr 		+81.85%
+12.71%/yr 		+318.86%
+15.40%/yr
XLP × 		+12.39% +11.89%
+5.78%/yr 		+40.09%
+11.89%/yr 		+41.38%
+7.17%/yr 		+119.53%
+8.18%/yr
XLV × 		+24.65% +18.70%
+8.95%/yr 		+43.62%
+12.82%/yr 		+47.95%
+8.15%/yr 		+196.78%
+11.49%/yr
XLU × 		−7.09% +6.87%
+3.38%/yr 		+54.27%
+15.55%/yr 		+45.95%
+7.86%/yr 		+134.71%
+8.91%/yr
XLE × 		+62.20% +59.51%
+26.30%/yr 		+62.37%
+17.54%/yr 		+178.58%
+22.74%/yr 		+184.92%
+11.04%/yr
XLF × 		+7.18% +19.17%
+9.17%/yr 		+76.39%
+20.83%/yr 		+50.33%
+8.49%/yr 		+236.58%
+12.90%/yr
XLI × 		+11.11% +22.91%
+10.86%/yr 		+74.27%
+20.34%/yr 		+73.46%
+11.65%/yr 		+244.06%
+13.15%/yr
XLK × 		+31.16% +62.92%
+27.64%/yr 		+127.27%
+31.48%/yr 		+143.03%
+19.43%/yr 		+765.01%
+24.08%/yr

Annual Returns

Year SPY XLP XLV XLU XLE XLF XLI XLK
2026 (YTD) +13.28% +14.44% +14.87% −1.09% +54.64% +1.76% +8.31% +29.63%
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% +10.91% +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% +3.93% −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% +28.41% +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% +11.70% +21.76% +17.57% +22.03% +51.33%
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% +38.68%
2002 −21.58% −20.09% −0.74% −28.77% −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% +0.34% +0.54% +5.50% +1.80%
1997 +33.48% — — — — — — —
1996 +22.56% — — — — — — —
1995 +38.04% — — — — — — —
1994 +0.40% — — — — — — —
1993 +8.64% — — — — — — —