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

Total Real Returns

VFINX vs. SPY: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

Growth of $10,000

Fri 1993-01-29💬 to Mon 2026-07-20 Overall
Return
Exponential
Trendline
VFINX
×
+1,231.33%
+8.04%/yr
+6.32%/yr
R2=0.849
Vanguard 500 Index Fund Investor Shares Mutual Fund
SPY
×
+1,210.99%
+7.99%/yr
+6.31%/yr
R2=0.849
SPDR S&P 500 ETF Trust Exchange-Traded Fund

Growth of $10,000 Summary

Fri 1993-01-29💬 to Mon 2026-07-20 Start
Value
End
Value
VFINX
×
$10,000.00
1993-01-29
$133,132.54
2026-07-20
SPY
×
$10,000.00
1993-01-29
$131,099.23
2026-07-20

This Year’s Performance

through 2026-07-20

  YTD YoY
VFINX
×
+5.90% +15.26%
SPY
×
+5.95% +15.36%

Drawdowns

  Current
Drawdown
Worst
Drawdown
VFINX
×
−1.93%
on 2026-07-20
from 2026-06-02 peak
−58.52%
on 2009-03-09
from 2000-03-23 peak
SPY
×
−1.92%
on 2026-07-20
from 2026-06-02 peak
−58.56%
on 2009-03-09
from 2000-03-24 peak

Rolling Returns

Period ending Mon 2026-07-20 1 yr 2 yr 3 yr 5 yr 10 yr
VFINX
×
+15.26% +29.93%
+13.99%/yr
+55.34%
+15.81%/yr
+49.61%
+8.39%/yr
+188.56%
+11.18%/yr
SPY
×
+15.36% +30.02%
+14.03%/yr
+55.53%
+15.86%/yr
+50.04%
+8.45%/yr
+188.78%
+11.19%/yr

Annual Returns

Year VFINX SPY
2026 (YTD) +5.90% +5.95%
2025 +14.65% +14.65%
2024 +21.34% +21.39%
2023 +22.03% +22.09%
2022 −23.21% −23.15%
2021 +20.08% +20.27%
2020 +17.14% +16.74%
2019 +28.40% +28.29%
2018 −6.33% −6.35%
2017 +19.14% +19.19%
2016 +9.56% +9.73%
2015 +0.50% +0.50%
2014 +12.67% +12.61%
2013 +30.21% +30.35%
2012 +13.85% +14.01%
2011 −0.98% −1.04%
2010 +13.22% +13.36%
2009 +23.17% +23.01%
2008 −37.08% −36.85%
2007 +1.25% +1.01%
2006 +12.80% +13.00%
2005 +1.30% +1.35%
2004 +7.25% +7.21%
2003 +26.13% +25.82%
2002 −23.98% −23.40%
2001 −13.38% −13.10%
2000 −12.04% −12.70%
1999 +17.92% +17.24%
1998 +26.58% +26.65%
1997 +30.95% +31.24%
1996 +18.92% +18.63%
1995 +34.04% +34.61%
1994 −1.46% −2.22%
1993 +7.21% +6.22%
1992 +5.19%
1991 +28.13%
1990 −8.35%
1989 +22.68%
1988 +10.06%
1987 −0.44%
1986 +8.11%
1985 +18.11%
1984 −0.27%
1983 +12.80%
1982 +14.85%
1981 −16.04%
1980 +13.66%
1979 −2.24%