VTI vs XLK — 24-Year Performance Comparison
Total US Market vs Technology — backtested 2001–2024
XLK wins$108,976 vs $73,022 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 won10 of 24
XLKTechnology
Final value$108,976
CAGR+10.5%
Max drawdown-57.0%
Best year+62% (2009)
Years won14 of 24
Growth of $10,000
2001–2024VTIXLK
VTI$73,022
XLK$108,976
50/50 mix$93,329
50/50 blend: $93,329 (+9.8%/yr CAGR)
Splitting equally between VTI and XLK would have landed between the two — slightly lower CAGR than XLK but less volatility. Try a custom split →
Year-by-year: VTI vs XLK
| Year | VTI | XLK | Winner |
|---|---|---|---|
| 2024 | +23.8% | +24.0% | XLK |
| 2023 | +26.1% | +57.8% | XLK |
| 2022 | -19.5% | -28.2% | VTI |
| 2021 | +25.7% | +34.5% | XLK |
| 2020 | +21.1% | +43.9% | XLK |
| 2019 | +30.7% | +50.3% | XLK |
| 2018 | -5.2% | -1.6% | XLK |
| 2017 | +21.2% | +38.8% | XLK |
| 2016 | +12.7% | +13.9% | XLK |
| 2015 | +0.4% | +4.3% | XLK |
| 2014 | +12.6% | +19.8% | XLK |
| 2013 | +33.5% | +27.7% | VTI |
| 2012 | +16.4% | +14.0% | VTI |
| 2011 | +1.1% | +2.7% | XLK |
| 2010 | +17.3% | +11.1% | VTI |
| 2009 | +28.8% | +61.7% | XLK |
| 2008 | -37.0% | -42.3% | VTI |
| 2007 | +5.5% | +16.4% | XLK |
| 2006 | +15.7% | +12.2% | VTI |
| 2005 | +5.9% | +1.6% | VTI |
| 2004 | +12.5% | +3.7% | VTI |
| 2003 | +31.4% | +49.6% | XLK |
| 2002 | -21.5% | -37.5% | VTI |
| 2001 | -11.0% | -31.2% | VTI |
More comparisons
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