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XLF · State Street Financial Select Sector SPDR ETF
Over the last 15 years (2011-10 to 2026-10), $10,000 invested in XLF with dividends reinvested grew to $91,037, 15.77% a year, with a worst peak-to-trough fall of -31.75%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-10 to 2026-10 · dividends reinvested
How XLF held up in past market crashes
XLF has been through 5 of the market crashes since 2000 in our data. Its deepest price fall was 82.7% in the 2008 financial crisis, when the S&P 500 fell 56.5%. It took 8.8 years from the bottom to get back to its high. No fund is safe from losses; past falls do not predict future ones.
| Crash | XLF deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| Dot-com bust | -38.4% | -49.1% | Jan 2001 to Oct 2002 | 17 months |
| 2008 financial crisis | -82.7% | -56.5% | Oct 2007 to Mar 2009 | 8.8 years |
| 2018 fourth-quarter selloff | -23.0% | -20.2% | Sep 2018 to Dec 2018 | 10 months |
| 2020 COVID crash | -43.3% | -34.1% | Feb 2020 to Mar 2020 | 10 months |
| 2022 bear market | -26.9% | -25.4% | Jan 2022 to Oct 2022 | 17 months |
Price declines in the fund's listing currency, dividends not included, inside each crash's S&P 500 peak-to-bottom window. See how 50 popular ETFs compare in the crash study.
About XLF
State Street Financial Select Sector SPDR ETF is an exchange-traded fund that provides targeted exposure to large U.S. financial companies. It seeks to track the S&P Financial Select Sector Index, giving investors access to banks, insurance providers, capital markets firms, asset managers, payment networks, consumer finance businesses, and other financial services companies.
Fund description from our market-data provider.
Put XLF to the test
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Backtest XLF →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would XLF survive 2008? →
What actually happened to it in the crisis: real drawdown and recovery.
Project it forward →
Monte Carlo simulation of where it could go from here.
Compare XLF vs VTI →
Side by side with the total US market: returns, drawdowns and volatility over their shared history.
Replay $100/mo into XLF →
Animated growth of steady monthly contributions.
Fundamentals →
Holdings-level financials where available.
More on XLF
Educational use only, not investment advice. Results are hypothetical.Read full disclaimer
This tool is for educational and informational purposes only and does not provide financial, investment, tax, legal, or accounting advice. Results are hypothetical and based on historical data and assumptions that may be inaccurate. Past performance does not guarantee future results. Consult a licensed professional before making investment decisions.