What if you'd held XLP?
A $1,000 investment in State Street Consumer Staples Select Sector SPDR ETF (XLP) at the month-end close of 1998-12 would be worth $6,082 at the close of 2026-08 — +508.2% 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 | $857 | -14.3% |
| 2000 | $1,077 | +25.6% |
| 2001 | $970 | -9.9% |
| 2002 | $775 | -20.1% |
| 2003 | $862 | +11.2% |
| 2004 | $928 | +7.7% |
| 2005 | $954 | +2.8% |
| 2006 | $1,092 | +14.5% |
| 2007 | $1,230 | +12.7% |
| 2008 | $1,046 | -15.0% |
| 2009 | $1,195 | +14.2% |
| 2010 | $1,360 | +13.8% |
| 2011 | $1,551 | +14.1% |
| 2012 | $1,717 | +10.7% |
| 2013 | $2,169 | +26.3% |
| 2014 | $2,510 | +15.7% |
| 2015 | $2,683 | +6.9% |
| 2016 | $2,817 | +5.0% |
| 2017 | $3,182 | +13.0% |
| 2018 | $2,926 | -8.1% |
| 2019 | $3,728 | +27.4% |
| 2020 | $4,105 | +10.1% |
| 2021 | $4,811 | +17.2% |
| 2022 | $4,772 | -0.8% |
| 2023 | $4,733 | -0.8% |
| 2024 | $5,311 | +12.2% |
| 2025 | $5,391 | +1.5% |
| 2026 | $6,082 | +12.8% |
Best and worst month-end to buy
The best single month-end close to have bought XLP was 2003-02 ($10.33): $1,000 then is $8,378 today. The worst was 2026-02 ($88.89): $1,000 then is $974.
FAQ
What would $1,000 in XLP be worth today?
A $1,000 investment in State Street Consumer Staples Select Sector SPDR ETF (XLP) at the start of 1998 would be worth about $6,082 today, a total return of +508.2%. Dividends are reinvested in these figures.
What were the best and worst years for XLP?
State Street Consumer Staples Select Sector SPDR ETF (XLP)'s strongest calendar year since 1998 was 2019, a +27.4% return — $1,000 held through that year became about $1,274 by year-end. Its weakest year was 2002, at -20.1%.
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 XLP have grown?
Investing $100 at the end of every month since 1998-12 would have grown to about $129,503 on $33,300 invested.
Did XLP beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,271. XLP trailed the S&P 500 by +3.0% 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 Consumer Staples Select Sector SPDR ETF (XLP) 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.