Growth of $10,000 in XLY
State Street® Consumer Discretionary Select Sector SPDR® ETF · State Street (SPDR)
A $10,000 investment compounding at XLY’s trailing 10-year annualized total return of 12.6% would reach $106,392 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 (12.3%) | At 5-year avg (6.7%) | At 10-year avg (12.6%) |
|---|---|---|---|
| 5 years | $17,885 | $13,798 | $18,060 |
| 10 years | $31,986 | $19,037 | $32,618 |
| 15 years | $57,205 | $26,267 | $58,909 |
| 20 years | $102,309 | $36,242 | $106,392 |
| 25 years | $182,976 | $50,006 | $192,149 |
| 30 years | $327,245 | $68,996 | $347,028 |
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 XLY in the interactive calculator →
Frequently Asked Questions
What would $10,000 in XLY be worth in 10 years?
Compounding at its trailing 10-year annualized return of 12.6%, $10,000 in XLY would grow to about $32,618 in 10 years and $106,392 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is XLY's average annual return?
As of Aug 7, 2026, XLY's annualized total returns were 12.3% over 3 years, 6.7% over 5 years, 12.6% over 10 years — dividends reinvested, net of its 0.08% expense ratio.