Growth of $10,000 in XLU
State Street® Utilities Select Sector SPDR® ETF · State Street (SPDR)
A $10,000 investment compounding at XLU’s trailing 10-year annualized total return of 9.0% would reach $55,634 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 (14.3%) | At 5-year avg (8.5%) | At 10-year avg (9.0%) |
|---|---|---|---|
| 5 years | $19,483 | $15,030 | $15,358 |
| 10 years | $37,960 | $22,589 | $23,587 |
| 15 years | $73,958 | $33,950 | $36,225 |
| 20 years | $144,094 | $51,026 | $55,634 |
| 25 years | $280,741 | $76,691 | $85,443 |
| 30 years | $546,974 | $115,263 | $131,224 |
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 XLU in the interactive calculator →
Frequently Asked Questions
What would $10,000 in XLU be worth in 10 years?
Compounding at its trailing 10-year annualized return of 9.0%, $10,000 in XLU would grow to about $23,587 in 10 years and $55,634 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is XLU's average annual return?
As of Aug 7, 2026, XLU's annualized total returns were 14.3% over 3 years, 8.5% over 5 years, 9.0% over 10 years — dividends reinvested, net of its 0.08% expense ratio.