XLY vs VTI — 24-Year Performance Comparison
Consumer Discretionary vs Total US Market — backtested 2001–2024
XLY wins$118,495 vs $73,022 on $10,000 over 24 years
XLYConsumer Discretionary
Final value$118,495
CAGR+10.9%
Max drawdown-37.0%
Best year+44% (2013)
Years won15 of 24
VTITotal US Market
Final value$73,022
CAGR+8.6%
Max drawdown-37.0%
Best year+34% (2013)
Years won9 of 24
Growth of $10,000
2001–2024XLYVTI
XLY$118,495
VTI$73,022
50/50 mix$94,694
50/50 blend: $94,694 (+9.8%/yr CAGR)
Splitting equally between XLY and VTI would have landed between the two — slightly lower CAGR than XLY but less volatility. Try a custom split →
Year-by-year: XLY vs VTI
| Year | XLY | VTI | Winner |
|---|---|---|---|
| 2024 | +30.6% | +23.8% | XLY |
| 2023 | +41.1% | +26.1% | XLY |
| 2022 | -37.0% | -19.5% | VTI |
| 2021 | +24.1% | +25.7% | VTI |
| 2020 | +33.0% | +21.1% | XLY |
| 2019 | +27.9% | +30.7% | VTI |
| 2018 | -0.5% | -5.2% | XLY |
| 2017 | +22.9% | +21.2% | XLY |
| 2016 | +6.0% | +12.7% | VTI |
| 2015 | +10.1% | +0.4% | XLY |
| 2014 | +9.7% | +12.6% | VTI |
| 2013 | +43.6% | +33.5% | XLY |
| 2012 | +23.8% | +16.4% | XLY |
| 2011 | +6.8% | +1.1% | XLY |
| 2010 | +27.7% | +17.3% | XLY |
| 2009 | +41.6% | +28.8% | XLY |
| 2008 | -33.5% | -37.0% | XLY |
| 2007 | +1.2% | +5.5% | VTI |
| 2006 | +17.3% | +15.7% | XLY |
| 2005 | +1.0% | +5.9% | VTI |
| 2004 | +12.5% | +12.5% | VTI |
| 2003 | +28.4% | +31.4% | VTI |
| 2002 | -18.3% | -21.5% | XLY |
| 2001 | -4.4% | -11.0% | XLY |
More comparisons
Build your portfolio
Mix XLY + VTI with custom allocations
Try a 70/30 or 40/60 split — or add up to 3 more ETFs. See exactly how your custom portfolio would have performed.
Open Portfolio Builder →Past performance does not guarantee future results.