If you invested $1,000 in XLF — what it would be worth today
A $1,000 investment in Financial Select Sector SPDR Fund (XLF) in January 2016 would be worth $3,152 as of July 2026 with dividends reinvested — 11.6% a year. Use the dropdowns above to try any amount, ticker, or starting month back to December 1998.
Over the same period, the same $1,000 would be worth $4,545 in the S&P 500 (SPY) and $7,377 in the Nasdaq-100 (QQQ). XLF trailed both the S&P 500 and the Nasdaq-100 over that period.
Growth of $1,000 in XLF since January 2016#
monthlyFinancial Select Sector SPDR Fund (XLF). Total return approximated via dividend- and split-adjusted closes (no taxes or fees). Not investment advice.
Growth of $1,000 in XLF by starting month#
$1,000 invested in XLF, by starting year#
| Invested in | Worth today | Same in QQQ | Multiple | Annualized |
|---|---|---|---|---|
| 2016 | $3,152 | $7,377 | 3.2× | 11.6% |
| 2017 | $2,386 | $6,099 | 2.4× | 9.7% |
| 2018 | $1,870 | $4,444 | 1.9× | 7.7% |
| 2019 | $2,144 | $4,439 | 2.1× | 10.8% |
| 2020 | $1,856 | $3,380 | 1.9× | 10.1% |
| 2021 | $1,921 | $2,337 | 1.9× | 12.8% |
| 2022 | $1,424 | $2,015 | 1.4× | 8.3% |
| 2023 | $1,521 | $2,465 | 1.5× | 13.1% |
| 2024 | $1,435 | $1,730 | 1.4× | 16.1% |
| 2025 | $1,081 | $1,373 | 1.1× | 5.6% |
Methodology#
Investments are assumed made at the first trading day's close of the chosen year. "Dividends reinvested" uses split- and dividend-adjusted closes (a standard total-return approximation; taxes and fees excluded). "Price-only" uses split-adjusted closes. XLF data begins December 1998; values as of July 2026 and refresh daily. Past performance does not predict future returns; not investment advice.
See the live XLF chart and fundamentals on the XLF quote page or compare with the same investment in SPY.
FAQ
- How much would $1,000 invested in XLF be worth today?
- A $1,000 investment in Financial Select Sector SPDR Fund (XLF) in January 2016 would be worth about $3,152 as of July 2026, with dividends reinvested. That works out to about 11.6% a year.
- How far back does the XLF calculation go?
- XLF data begins December 1998. You can pick any starting month from then to the present and see what your investment would be worth today.
- Does this include dividends?
- Yes. The default "dividends reinvested" view uses split- and dividend-adjusted closing prices — a standard total-return approximation that excludes taxes and fees. A price-only view (split-adjusted, no dividends) is also available.