All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)

Total Real Returns

SPY,VOO,QQQM,VUG,XOVR,VTI,SCHD: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

Tue 2020-10-13? to Wed 2026-04-01 YTD
Return 		TRR
Price
SPY × 		−4.68%
2026-04-01 		11.79 TRR
2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
VOO × 		−4.68%
2026-04-01 		5.275 TRR
2026-04-01
Vanguard S&P 500 ETF Exchange-Traded Fund
QQQM × 		−5.77%
2026-04-01 		1.635 TRR
2026-04-01
Invesco NASDAQ 100 ETF NASDAQ Exchange-Traded Fund
VUG × 		−10.36%
2026-04-01 		6.345 TRR
2026-04-01
Vanguard Growth Index Fund ETF Shares Exchange-Traded Fund
XOVR × 		−16.75%
2026-04-01 		1.5 TRR
2026-04-01
ERShares Private-Public Crossover ETF NASDAQ Exchange-Traded Fund
VTI × 		−4.32%
2026-04-01 		4.735 TRR
2026-04-01
Vanguard Total Stock Market Index Fund ETF Shares Exchange-Traded Fund
SCHD × 		+10.99%
2026-04-01 		4.011 TRR
2026-04-01
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund

Returns

Tue 2020-10-13? to Wed 2026-04-01 Overall
Return 		Exponential
Trendline
SPY × 		+60.46%
+9.04%/yr 		+8.39%/yr
(R2=0.604)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
VOO × 		+61.05%
+9.11%/yr 		+8.46%/yr
(R2=0.607)
Vanguard S&P 500 ETF Exchange-Traded Fund
QQQM × 		+63.51%
+9.41%/yr 		+10.16%/yr
(R2=0.524)
Invesco NASDAQ 100 ETF NASDAQ Exchange-Traded Fund
VUG × 		+50.55%
+7.77%/yr 		+9.34%/yr
(R2=0.457)
Vanguard Growth Index Fund ETF Shares Exchange-Traded Fund
XOVR × 		−15.96%
−3.13%/yr 		+1.92%/yr
(R2=0.017)
ERShares Private-Public Crossover ETF NASDAQ Exchange-Traded Fund
VTI × 		+55.11%
+8.36%/yr 		+7.25%/yr
(R2=0.503)
Vanguard Total Stock Market Index Fund ETF Shares Exchange-Traded Fund
SCHD × 		+51.34%
+7.88%/yr 		+3.02%/yr
(R2=0.337)
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund

Growth of $10,000

Tue 2020-10-13? to Wed 2026-04-01 Start
Value 		End
Value
SPY × 		$10,000.00
2020-10-13 		$16,045.65
2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
VOO × 		$10,000.00
2020-10-13 		$16,105.14
2026-04-01
Vanguard S&P 500 ETF Exchange-Traded Fund
QQQM × 		$10,000.00
2020-10-13 		$16,350.85
2026-04-01
Invesco NASDAQ 100 ETF NASDAQ Exchange-Traded Fund
VUG × 		$10,000.00
2020-10-13 		$15,055.41
2026-04-01
Vanguard Growth Index Fund ETF Shares Exchange-Traded Fund
XOVR × 		$10,000.00
2020-10-13 		$8,403.57
2026-04-01
ERShares Private-Public Crossover ETF NASDAQ Exchange-Traded Fund
VTI × 		$10,000.00
2020-10-13 		$15,511.30
2026-04-01
Vanguard Total Stock Market Index Fund ETF Shares Exchange-Traded Fund
SCHD × 		$10,000.00
2020-10-13 		$15,133.93
2026-04-01
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund

Annual Returns

Year SPY VOO QQQM VUG XOVR VTI SCHD
2026 (YTD) −4.68% −4.68% −5.77% −10.36% −16.75% −4.32% +10.99%
2025 +14.65% +14.76% +17.70% +16.29% +7.78% +14.05% +1.63%
2024 +21.39% +21.48% +22.16% +28.97% +30.82% +20.34% +8.50%
2023 +22.09% +22.23% +50.00% +42.08% +47.02% +21.96% +1.18%
2022 −23.15% −23.14% −36.62% −37.22% −44.66% −24.41% −9.14%
2021 +20.27% +20.33% +19.07% +18.97% −13.33% +17.42% +21.34%
2020 +16.74% +16.74% +6.61% +38.36% +48.41% +19.45% +13.45%
2019 +28.29% +28.43% — +33.98% +28.73% +27.75% +24.45%
2018 −6.35% −6.29% — −5.13% −6.78% −7.01% −7.32%
2017 +19.19% +19.25% — +25.08% +1.77% +18.71% +18.36%
2016 +9.72% +9.89% — +4.12% — +10.53% +14.07%
2015 +0.50% +0.59% — +2.49% — −0.38% −1.02%
2014 +12.61% +12.71% — +12.76% — +11.70% +10.84%
2013 +30.35% +30.43% — +30.52% — +31.48% +30.92%
2012 +14.01% +14.02% — +15.01% — +14.47% +9.50%
2011 −1.04% −1.04% — −1.12% — −1.95% +5.73%
2010 +13.35% +14.35% — +15.50% — +15.70% —
2009 +23.01% — — +32.53% — +25.50% —
2008 −36.85% — — −38.08% — −37.05% —
2007 +1.01% — — +8.09% — +1.23% —
2006 +13.00% — — +6.51% — +12.85% —
2005 +1.36% — — +1.53% — +2.79% —
2004 +7.21% — — +2.17% — +9.22% —
2003 +25.81% — — — — +28.34% —
2002 −23.40% — — — — −22.33% —
2001 −13.10% — — — — −6.77% —
2000 −12.70% — — — — — —
1999 +17.24% — — — — — —
1998 +26.65% — — — — — —
1997 +31.25% — — — — — —
1996 +18.61% — — — — — —
1995 +34.63% — — — — — —
1994 −2.22% — — — — — —
1993 +6.21% — — — — — —

Drawdowns

Tue 2020-10-13? to Wed 2026-04-01 Current
Drawdown 		Worst
Drawdown
SPY × 		−6.36% −29.17%
2022-10-12
SPDR S&P 500 ETF Trust Exchange-Traded Fund
VOO × 		−6.37% −29.19%
2022-10-12
Vanguard S&P 500 ETF Exchange-Traded Fund
QQQM × 		−8.73% −39.52%
2022-11-03
Invesco NASDAQ 100 ETF NASDAQ Exchange-Traded Fund
VUG × 		−13.07% −40.05%
2022-11-03
Vanguard Growth Index Fund ETF Shares Exchange-Traded Fund
XOVR × 		−32.25% −61.40%
2022-12-28
ERShares Private-Public Crossover ETF NASDAQ Exchange-Traded Fund
VTI × 		−6.35% −30.15%
2022-10-12
Vanguard Total Stock Market Index Fund ETF Shares Exchange-Traded Fund
SCHD × 		−3.63% −21.67%
2022-09-30
Schwab U.S. Dividend Equity ETF Exchange-Traded Fund