XLU,SPY 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

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

Dividends Reinvested:

Tue 1998-12-22^? to Fri 2025-08-01	YTD Return	TR Price
XLU ^×	+14.95% 2025-08-01	7.202 TR 2025-08-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
SPY ^×	+6.72% 2025-08-01	25.5 TR 2025-08-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund

Returns

Tue 1998-12-22^? to Fri 2025-08-01	Overall Return	Exponential Trendline
XLU ^×	+620.16% +7.70%/yr	+8.33%/yr (R²=0.942)
Utilities Select Sector SPDR Fund Exchange-Traded Fund
SPY ^×	+721.87% +8.24%/yr	+8.48%/yr (R²=0.863)
SPDR S&P 500 ETF Trust Exchange-Traded Fund

Growth of $10,000

Tue 1998-12-22^? to Fri 2025-08-01	Start Value	End Value
XLU ^×	$10,000.00 1998-12-22	$72,015.51 2025-08-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
SPY ^×	$10,000.00 1998-12-22	$82,187.00 2025-08-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund

Annual Returns

Year	XLU	SPY
2025 (YTD)	+14.95%	+6.72%
2024	+23.31%	+24.89%
2023	−7.16%	+26.18%
2022	+1.43%	−18.18%
2021	+17.70%	+28.73%
2020	+0.51%	+18.33%
2019	+25.93%	+31.22%
2018	+3.94%	−4.57%
2017	+12.05%	+21.71%
2016	+16.08%	+12.00%
2015	−4.93%	+1.23%
2014	+28.75%	+13.46%
2013	+13.06%	+32.31%
2012	+1.04%	+15.99%
2011	+19.64%	+1.90%
2010	+5.31%	+15.06%
2009	+11.71%	+26.35%
2008	−28.91%	−36.79%
2007	+18.42%	+5.15%
2006	+20.89%	+15.85%
2005	+16.38%	+4.83%
2004	+23.59%	+10.70%
2003	+26.46%	+28.18%
2002	−28.78%	−21.58%
2001	−13.01%	−11.76%
2000	+22.47%	−9.74%
1999	−4.41%	+20.39%
1998	+1.36%	+28.69%
1997	—	+33.48%
1996	—	+22.50%
1995	—	+38.06%
1994	—	+0.40%
1993	—	+8.71%

Drawdowns

Tue 1998-12-22^? to Fri 2025-08-01	Current Drawdown	Worst Drawdown
XLU ^×	0.00%	−52.27% 2002-10-09
Utilities Select Sector SPDR Fund Exchange-Traded Fund
SPY ^×	−2.41%	−55.19% 2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund