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XLY · State Street Consumer Discretionary Select Sector SPDR ETF
Over the last 15 years (2011-10 to 2026-10), $10,000 invested in XLY with dividends reinvested grew to $92,038, 15.85% a year, with a worst peak-to-trough fall of -35.72%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-10 to 2026-10 · dividends reinvested
How XLY held up in past market crashes
XLY has been through 5 of the market crashes since 2000 in our data. Its deepest price fall was 57.6% in the 2008 financial crisis, when the S&P 500 fell 56.5%. It took 22 months from the bottom to get back to its high. No fund is safe from losses; past falls do not predict future ones.
| Crash | XLY deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| Dot-com bust | -32.3% | -49.1% | Apr 2000 to Sep 2001 | 2.3 years |
| 2008 financial crisis | -57.6% | -56.5% | Oct 2007 to Mar 2009 | 22 months |
| 2018 fourth-quarter selloff | -21.9% | -20.2% | Sep 2018 to Dec 2018 | 3 months |
| 2020 COVID crash | -33.9% | -34.1% | Feb 2020 to Mar 2020 | 3 months |
| 2022 bear market | -36.0% | -25.4% | Jan 2022 to Jun 2022 | 2.4 years |
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 XLY
State Street Consumer Discretionary Select Sector SPDR ETF is an exchange-traded fund that provides targeted exposure to large-cap U.S. consumer discretionary companies. It seeks to track the performance of the Consumer Discretionary Select Sector Index, giving investors diversified access to businesses tied to non-essential spending across retail, media, hotels, restaurants, leisure, apparel, automobiles, and related services.
Fund description from our market-data provider.
Put XLY to the test
Every tool below opens prefilled with XLY: free, no account needed.
Backtest XLY →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would XLY 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 XLY vs VTI →
Side by side with the total US market: returns, drawdowns and volatility over their shared history.
Replay $100/mo into XLY →
Animated growth of steady monthly contributions.
Fundamentals →
Holdings-level financials where available.
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.