VTI vs XLF — 24-Year Performance Comparison
Total US Market vs Financials — backtested 2001–2024
VTI wins$73,022 vs $31,920 on $10,000 over 24 years
VTITotal US Market
Final value$73,022
CAGR+8.6%
Max drawdown-37.0%
Best year+34% (2013)
Years won11 of 24
XLFFinancials
Final value$31,920
CAGR+5.0%
Max drawdown-63.6%
Best year+36% (2013)
Years won13 of 24
Growth of $10,000
2001–2024VTIXLF
VTI$73,022
XLF$31,920
50/50 mix$50,411
50/50 blend: $50,411 (+7.0%/yr CAGR)
Splitting equally between VTI and XLF would have landed between the two — slightly lower CAGR than VTI but less volatility. Try a custom split →
Year-by-year: VTI vs XLF
| Year | VTI | XLF | Winner |
|---|---|---|---|
| 2024 | +23.8% | +30.9% | XLF |
| 2023 | +26.1% | +12.2% | VTI |
| 2022 | -19.5% | -10.5% | XLF |
| 2021 | +25.7% | +35.0% | XLF |
| 2020 | +21.1% | -1.7% | VTI |
| 2019 | +30.7% | +32.1% | XLF |
| 2018 | -5.2% | -14.6% | VTI |
| 2017 | +21.2% | +22.2% | XLF |
| 2016 | +12.7% | +22.8% | XLF |
| 2015 | +0.4% | -1.5% | VTI |
| 2014 | +12.6% | +15.2% | XLF |
| 2013 | +33.5% | +35.6% | XLF |
| 2012 | +16.4% | +29.0% | XLF |
| 2011 | +1.1% | -17.1% | VTI |
| 2010 | +17.3% | +12.1% | VTI |
| 2009 | +28.8% | +17.5% | VTI |
| 2008 | -37.0% | -55.3% | VTI |
| 2007 | +5.5% | -18.6% | VTI |
| 2006 | +15.7% | +19.1% | XLF |
| 2005 | +5.9% | +6.1% | XLF |
| 2004 | +12.5% | +10.7% | VTI |
| 2003 | +31.4% | +29.1% | VTI |
| 2002 | -21.5% | -19.0% | XLF |
| 2001 | -11.0% | -6.3% | XLF |
More comparisons
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