Growth of $10,000 in XLF
State Street® Financial Select Sector SPDR® ETF · State Street (SPDR)
A $10,000 investment compounding at XLF’s trailing 10-year annualized total return of 13.5% would reach $126,091 in 20 years. The table shows every combination of averaging period and horizon; returns include dividends and are net of the fund's 0.08% expense ratio. Past performance does not predict future results.
Projection table
| Horizon | At 3-year avg (19.5%) | At 5-year avg (10.7%) | At 10-year avg (13.5%) |
|---|---|---|---|
| 5 years | $24,359 | $16,594 | $18,844 |
| 10 years | $59,336 | $27,536 | $35,509 |
| 15 years | $144,535 | $45,694 | $66,913 |
| 20 years | $352,072 | $75,825 | $126,091 |
| 25 years | $857,608 | $125,825 | $237,604 |
| 30 years | $2,089,040 | $208,795 | $447,738 |
Annualized total returns as of Aug 7, 2026, dividends reinvested. A constant rate is an illustration of compounding — real markets are far bumpier.
Want a different amount, horizon or a side-by-side fund comparison? Open XLF in the interactive calculator →
Frequently Asked Questions
What would $10,000 in XLF be worth in 10 years?
Compounding at its trailing 10-year annualized return of 13.5%, $10,000 in XLF would grow to about $35,509 in 10 years and $126,091 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is XLF's average annual return?
As of Aug 7, 2026, XLF's annualized total returns were 19.5% over 3 years, 10.7% over 5 years, 13.5% over 10 years — dividends reinvested, net of its 0.08% expense ratio.