XLF vs XLK — 26-Year Performance Comparison
Financials vs Technology — backtested 1999–2024
XLK wins$104,919 vs $46,729 on $10,000 over 26 years
XLFFinancials
Final value$46,729
CAGR+6.1%
Max drawdown-63.6%
Best year+36% (2013)
Years won13 of 26
XLKTechnology
Final value$104,919
CAGR+9.5%
Max drawdown-74.3%
Best year+62% (2009)
Years won13 of 26
Growth of $10,000
1999–2024XLFXLK
XLF$46,729
XLK$104,919
50/50 mix$85,300
50/50 blend: $85,300 (+8.6%/yr CAGR)
Splitting equally between XLF and XLK would have landed between the two — slightly lower CAGR than XLK but less volatility. Try a custom split →
Year-by-year: XLF vs XLK
| Year | XLF | XLK | Winner |
|---|---|---|---|
| 2024 | +30.9% | +24.0% | XLF |
| 2023 | +12.2% | +57.8% | XLK |
| 2022 | -10.5% | -28.2% | XLF |
| 2021 | +35.0% | +34.5% | XLF |
| 2020 | -1.7% | +43.9% | XLK |
| 2019 | +32.1% | +50.3% | XLK |
| 2018 | -14.6% | -1.6% | XLK |
| 2017 | +22.2% | +38.8% | XLK |
| 2016 | +22.8% | +13.9% | XLF |
| 2015 | -1.5% | +4.3% | XLK |
| 2014 | +15.2% | +19.8% | XLK |
| 2013 | +35.6% | +27.7% | XLF |
| 2012 | +29.0% | +14.0% | XLF |
| 2011 | -17.1% | +2.7% | XLK |
| 2010 | +12.1% | +11.1% | XLF |
| 2009 | +17.5% | +61.7% | XLK |
| 2008 | -55.3% | -42.3% | XLK |
| 2007 | -18.6% | +16.4% | XLK |
| 2006 | +19.1% | +12.2% | XLF |
| 2005 | +6.1% | +1.6% | XLF |
| 2004 | +10.7% | +3.7% | XLF |
| 2003 | +29.1% | +49.6% | XLK |
| 2002 | -19.0% | -37.5% | XLF |
| 2001 | -6.3% | -31.2% | XLF |
| 2000 | +26.2% | -40.2% | XLF |
| 1999 | +16.0% | +61.0% | XLK |
More comparisons
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