VTI vs XLY — 24-Year Performance Comparison
Total US Market vs Consumer Discretionary — backtested 2001–2024
XLY wins$118,495 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 won9 of 24
XLYConsumer Discretionary
Final value$118,495
CAGR+10.9%
Max drawdown-37.0%
Best year+44% (2013)
Years won15 of 24
Growth of $10,000
2001–2024VTIXLY
VTI$73,022
XLY$118,495
50/50 mix$94,694
50/50 blend: $94,694 (+9.8%/yr CAGR)
Splitting equally between VTI and XLY would have landed between the two — slightly lower CAGR than XLY but less volatility. Try a custom split →
Year-by-year: VTI vs XLY
| Year | VTI | XLY | Winner |
|---|---|---|---|
| 2024 | +23.8% | +30.6% | XLY |
| 2023 | +26.1% | +41.1% | XLY |
| 2022 | -19.5% | -37.0% | VTI |
| 2021 | +25.7% | +24.1% | VTI |
| 2020 | +21.1% | +33.0% | XLY |
| 2019 | +30.7% | +27.9% | VTI |
| 2018 | -5.2% | -0.5% | XLY |
| 2017 | +21.2% | +22.9% | XLY |
| 2016 | +12.7% | +6.0% | VTI |
| 2015 | +0.4% | +10.1% | XLY |
| 2014 | +12.6% | +9.7% | VTI |
| 2013 | +33.5% | +43.6% | XLY |
| 2012 | +16.4% | +23.8% | XLY |
| 2011 | +1.1% | +6.8% | XLY |
| 2010 | +17.3% | +27.7% | XLY |
| 2009 | +28.8% | +41.6% | XLY |
| 2008 | -37.0% | -33.5% | XLY |
| 2007 | +5.5% | +1.2% | VTI |
| 2006 | +15.7% | +17.3% | XLY |
| 2005 | +5.9% | +1.0% | VTI |
| 2004 | +12.5% | +12.5% | VTI |
| 2003 | +31.4% | +28.4% | VTI |
| 2002 | -21.5% | -18.3% | XLY |
| 2001 | -11.0% | -4.4% | XLY |
More comparisons
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