What if you'd held XLK?
A $1,000 investment in State Street Technology Select Sector SPDR ETF (XLK) at the month-end close of 1998-12 would be worth $15,152 at the close of 2026-08 — +1415.2% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,271.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1998
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1998 | $1,000 | — |
| 1999 | $1,652 | +65.2% |
| 2000 | $960 | -41.9% |
| 2001 | $736 | -23.4% |
| 2002 | $455 | -38.2% |
| 2003 | $631 | +38.8% |
| 2004 | $667 | +5.6% |
| 2005 | $664 | -0.4% |
| 2006 | $745 | +12.2% |
| 2007 | $861 | +15.5% |
| 2008 | $503 | -41.5% |
| 2009 | $762 | +51.3% |
| 2010 | $848 | +11.4% |
| 2011 | $870 | +2.6% |
| 2012 | $1,004 | +15.4% |
| 2013 | $1,267 | +26.2% |
| 2014 | $1,493 | +17.8% |
| 2015 | $1,575 | +5.5% |
| 2016 | $1,811 | +15.0% |
| 2017 | $2,432 | +34.3% |
| 2018 | $2,391 | -1.7% |
| 2019 | $3,583 | +49.9% |
| 2020 | $5,146 | +43.6% |
| 2021 | $6,934 | +34.7% |
| 2022 | $5,012 | -27.7% |
| 2023 | $7,818 | +56.0% |
| 2024 | $9,510 | +21.6% |
| 2025 | $11,850 | +24.6% |
| 2026 | $15,152 | +27.9% |
Best and worst month-end to buy
The best single month-end close to have bought XLK was 2002-09 ($4.40): $1,000 then is $41,736 today. The worst was 2026-05 ($191): $1,000 then is $963.
FAQ
What would $1,000 in XLK be worth today?
A $1,000 investment in State Street Technology Select Sector SPDR ETF (XLK) at the start of 1998 would be worth about $15,152 today, a total return of +1415.2%. Dividends are reinvested in these figures.
What were the best and worst years for XLK?
State Street Technology Select Sector SPDR ETF (XLK)'s strongest calendar year since 1998 was 1999, a +65.2% return — $1,000 held through that year became about $1,652 by year-end. Its weakest year was 2000, at -41.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in XLK have grown?
Investing $100 at the end of every month since 1998-12 would have grown to about $442,179 on $33,300 invested.
Did XLK beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,271. XLK beat the S&P 500 by +141.6% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
State Street Technology Select Sector SPDR ETF (XLK) historical total-return data from 1998-12 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.