XLU Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in XLU ten years ago, at the end of Oct 2016, was worth $24,074 at the end of Oct 2026 with every distribution reinvested: 9.2% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $39,410 reinvested (7.6% a year), or $28,462 taking the distributions as cash, $7,947 of it paid out along the way.
XLU became
$39,410
S&P 500: $72,756
Return a year
7.6%
S&P 500: 11.1%
Payouts reinvested
$11,821
bought more shares
Worst drop
-37.8%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | XLU total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +3.8% | $811 | +11.7% |
| 2025 | +16.0% | $1,031 | +17.7% |
| 2024 | +23.3% | $983 | +24.9% |
| 2023 | −7.2% | $870 | +26.2% |
| 2022 | +1.4% | $829 | −18.2% |
| 2021 | +17.7% | $776 | +28.7% |
| 2020 | +0.6% | $793 | +18.3% |
| 2019 | +26.0% | $709 | +31.2% |
| 2018 | +3.9% | $625 | −4.6% |
| 2017 | +12.1% | $597 | +21.7% |
| 2016 | +16.1% | $567 | +12.0% |
| 2015 | −4.9% | $518 | +1.2% |
| 2014 | +28.7% | $469 | +13.5% |
| 2013 | +13.1% | $453 | +32.3% |
| 2012 | +1.0% | $421 | +16.0% |
| 2011 | +19.7% | $391 | +1.9% |
| 2010 | +5.3% | $345 | +15.1% |
| 2009 | +11.6% | $321 | +26.4% |
| 2008 | −28.9% | $310 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: XLU total return
Data as of · Source: SmarterDividends data
- $10,000 invested in XLU at the end of Dec 2007, with distributions reinvested, was worth $39,410 at the end of Oct 2026: 7.6% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, XLU turned $10,000 into $24,074 with distributions reinvested, 9.2% a year.
- Over the 5 years to Oct 2026, XLU returned 8.6% a year with distributions reinvested (S&P 500: 12.0%).
- Taking XLU's distributions as cash instead of reinvesting them, the same $10,000 ended at $28,462, including $7,947 of cash received; reinvesting added $10,948.
- XLU's best calendar year in that time was 2014 (28.7%) and its worst 2008 (-28.9%), with distributions reinvested.
Cite this page
SmarterDividends, "XLU Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/XLU/total-return
XLU total return questions
If I invested $10,000 in XLU 10 years ago, how much would I have?
About $24,074 at the end of Oct 2026, with every distribution reinvested: 9.2% a year. Taking them as cash, you'd have shares worth $17,569 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is XLU's total return since Dec 2007?
294% in total, or 7.6% a year, through Oct 2026 with distributions reinvested. The share price alone rose 105%.
How much of XLU's return came from distributions?
About 49% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $10,948 better off on a $10,000 start.
What was XLU's worst year?
2008, at -28.9% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -37.8%.
How is total return calculated here?
From month-end prices: the adjusted price counts every distribution reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.