XLF vs QQQ — 25-Year Performance Comparison
Financials vs Nasdaq 100 — backtested 2000–2024
QQQ wins$66,328 vs $40,283 on $10,000 over 25 years
XLFFinancials
Final value$40,283
CAGR+5.7%
Max drawdown-63.6%
Best year+36% (2013)
Years won11 of 25
QQQNasdaq 100
Final value$66,328
CAGR+7.9%
Max drawdown-73.4%
Best year+55% (2023)
Years won14 of 25
Growth of $10,000
2000–2024XLFQQQ
XLF$40,283
QQQ$66,328
50/50 mix$62,019
50/50 blend: $62,019 (+7.6%/yr CAGR)
Splitting equally between XLF and QQQ would have landed between the two — slightly lower CAGR than QQQ but less volatility. Try a custom split →
Year-by-year: XLF vs QQQ
| Year | XLF | QQQ | Winner |
|---|---|---|---|
| 2024 | +30.9% | +25.6% | XLF |
| 2023 | +12.2% | +54.9% | QQQ |
| 2022 | -10.5% | -32.6% | XLF |
| 2021 | +35.0% | +27.4% | XLF |
| 2020 | -1.7% | +48.6% | QQQ |
| 2019 | +32.1% | +39.0% | QQQ |
| 2018 | -14.6% | -0.1% | QQQ |
| 2017 | +22.2% | +32.7% | QQQ |
| 2016 | +22.8% | +7.1% | XLF |
| 2015 | -1.5% | +9.4% | QQQ |
| 2014 | +15.2% | +19.2% | QQQ |
| 2013 | +35.6% | +36.6% | QQQ |
| 2012 | +29.0% | +18.1% | XLF |
| 2011 | -17.1% | +3.0% | QQQ |
| 2010 | +12.1% | +20.0% | QQQ |
| 2009 | +17.5% | +54.7% | QQQ |
| 2008 | -55.3% | -41.7% | QQQ |
| 2007 | -18.6% | +19.7% | QQQ |
| 2006 | +19.1% | +7.0% | XLF |
| 2005 | +6.1% | +2.2% | XLF |
| 2004 | +10.7% | +10.4% | XLF |
| 2003 | +29.1% | +50.3% | QQQ |
| 2002 | -19.0% | -37.6% | XLF |
| 2001 | -6.3% | -32.6% | XLF |
| 2000 | +26.2% | -36.8% | XLF |
More comparisons
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