All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)
XLF real return snapshot: after CPI-U inflation, XLF returned +3.96% over the past year and +0.39% YTD, with dividends reinvested. Since Dec. 22, 1998, XLF is up +147.89% in real purchasing-power return, or +3.35%/yr, and is currently −2.44% below its real total-return high on Jan. 6, 2026.
Data ending Fri Jul. 24, 2026
| Tue 1998-12-22💬 to Fri 2026-07-24 |
Overall
Return |
Exponential
Trendline |
||||
|---|---|---|---|---|---|---|
| XLF × |
+147.89%
+3.35%/yr |
+2.50%/yr
R2=0.250 |
||||
| Financial Select Sector SPDR Fund Exchange-Traded Fund | ||||||
| Tue 1998-12-22💬 to Fri 2026-07-24 |
Start
Value |
End
Value |
|---|---|---|
| XLF × |
$10,000.00
1998-12-22 |
$24,789.13
2026-07-24 |
| YTD | YoY | |
|---|---|---|
| XLF × | +0.39% | +3.96% |
|
Current
Drawdown |
Worst
Drawdown |
|
|---|---|---|
| XLF × |
−2.44%
on 2026-07-24 from 2026-01-06 peak |
−83.33%
on 2009-03-06 from 2007-02-20 peak |
| Period ending Fri 2026-07-24 | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr |
|---|---|---|---|---|---|
| XLF × | +3.96% |
+28.06% +13.16%/yr |
+51.40% +14.83%/yr |
+37.95% +6.65%/yr |
+153.34% +9.74%/yr |
| Year | XLF |
|---|---|
| 2026 (YTD) | +0.39% |
| 2025 | +11.91% |
| 2024 | +26.90% |
| 2023 | +8.41% |
| 2022 | −16.02% |
| 2021 | +25.94% |
| 2020 | −3.06% |
| 2019 | +28.93% |
| 2018 | −14.68% |
| 2017 | +19.47% |
| 2016 | +19.93% |
| 2015 | −2.48% |
| 2014 | +14.19% |
| 2013 | +33.52% |
| 2012 | +26.23% |
| 2011 | −19.53% |
| 2010 | +10.25% |
| 2009 | +14.45% |
| 2008 | −54.94% |
| 2007 | −22.35% |
| 2006 | +15.97% |
| 2005 | +2.68% |
| 2004 | +7.36% |
| 2003 | +28.09% |
| 2002 | −16.72% |
| 2001 | −10.81% |
| 2000 | +21.73% |
| 1999 | −0.02% |
| 1998 | +0.55% |
