XLF vs SCHD — 14-Year Performance Comparison
Financials vs Dividend Growth — backtested 2011–2024
SCHD wins$55,862 vs $48,592 on $10,000 over 14 years
XLFFinancials
Final value$48,592
CAGR+12.0%
Max drawdown-17.1%
Best year+36% (2013)
Years won9 of 14
SCHDDividend Growth
Final value$55,862
CAGR+13.1%
Max drawdown-5.9%
Best year+33% (2013)
Years won5 of 14
Growth of $10,000
2011–2024XLFSCHD
XLF$48,592
SCHD$55,862
50/50 mix$52,682
50/50 blend: $52,682 (+12.6%/yr CAGR)
Splitting equally between XLF and SCHD would have landed between the two — slightly lower CAGR than SCHD but less volatility. Try a custom split →
Year-by-year: XLF vs SCHD
| Year | XLF | SCHD | Winner |
|---|---|---|---|
| 2024 | +30.9% | +25.3% | XLF |
| 2023 | +12.2% | +6.8% | XLF |
| 2022 | -10.5% | -3.2% | SCHD |
| 2021 | +35.0% | +29.5% | XLF |
| 2020 | -1.7% | +11.6% | SCHD |
| 2019 | +32.1% | +28.4% | XLF |
| 2018 | -14.6% | -5.9% | SCHD |
| 2017 | +22.2% | +20.1% | XLF |
| 2016 | +22.8% | +18.8% | XLF |
| 2015 | -1.5% | +0.3% | SCHD |
| 2014 | +15.2% | +14.7% | XLF |
| 2013 | +35.6% | +33.0% | XLF |
| 2012 | +29.0% | +14.1% | XLF |
| 2011 | -17.1% | -0.5% | SCHD |
More comparisons
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