Technology Select Sector SPDR Fund Returns Calculator
Calculate historical returns and project future compounding for Technology Select SPDR (XLK). Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Technology Sector (US)
AUM
$121.44 Billion
Expense Ratio
0.08%
Fund Manager
State Street Global Advisors (SSGA)
Technology Select SPDR (XLK) Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 34.2% CAGR | 5 Years @ 22.0% CAGR | 10 Years @ 24.6% CAGR |
|---|---|---|---|
| $100/mo | $6,317 Invested: $3,600 | $10,973 Invested: $6,000 | $51,893 Invested: $12,000 |
| $250/mo | $15,792 Invested: $9,000 | $27,433 Invested: $15,000 | $129,731 Invested: $30,000 |
| $500/mo | $31,585 Invested: $18,000 | $54,866 Invested: $30,000 | $259,463 Invested: $60,000 |
| $1,000/mo | $63,170 Invested: $36,000 | $109,733 Invested: $60,000 | $518,926 Invested: $120,000 |
| $2,500/mo | $157,924 Invested: $90,000 | $274,332 Invested: $150,000 | $1,297,314 Invested: $300,000 |
* Projections calculated using actual historical 3-year (34.21%), 5-year (22.02%), and 10-year (24.61%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Technology Select Sector SPDR Fund
Technology Select Sector SPDR Fund (XLK) is the world's largest and most liquid pure technology exchange-traded fund, managing over $124 Billion in assets. Tracking the Technology Select Sector Index at an ultra-low 0.08% expense ratio, XLK isolates the pure technology corporations of the S&P 500.
Investment Strategy
Passive Sector Indexing â Holds all technology companies within the S&P 500 Index, including software giants, semiconductor manufacturers, IT services, and hardware pioneers weighted by modified market capitalization with standard SEC diversification capping rules.
Key Facts
- World's largest technology sector ETF with over $124.4 Billion in assets
- Ultra-low 0.08% expense ratio for pure sector focus
- Deep institutional liquidity and tightest penny-wide options market
- Over 27-year operating track record since December 1998
Historical Returns
3-Year CAGR
34.21%
5-Year CAGR
22.02%
10-Year CAGR
24.61%
Benchmark
Technology Select Sector Index
Historical annualized returns as of August 2026. Sector investing carries concentration risks.
Top Holdings & Sector Allocation
As of September 2026, Technology Select SPDR (XLK)'s portfolio includes:
Top 5 Holdings
- NVIDIA Corp. (NVDA)
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- Broadcom Inc. (AVGO)
- Qualcomm Inc. (QCOM)
- Advanced Micro Devices (AMD)
- Salesforce Inc. (CRM)
Sector Allocation
Semiconductors 38.5%, Software & Cloud 35.2%, Technology Hardware 18.4%, IT Services 7.9%
Risk & Drawdowns
Standard deviation is ~20.5% reflecting focused technology sector beta.
Experienced -31% drawdown during 2022 before rebounding with historic gains.
Tax Treatment
Standard ETF tax efficiency shields shareholders from capital gain distributions.
Who Should NOT Invest in Technology Select SPDR (XLK)?
Conservative income investors or those seeking broad multi-sector diversification.
About the Fund Manager
Managed by State Street Global Advisors passive quantitative indexing team.
Who Is This Fund Suitable For?
Ideal for investors seeking focused, low-cost domestic technology sector exposure backed by the massive scale and liquidity of State Street.
Similar Funds to Consider
- Vanguard Information Technology ETF (VGT)
- iShares U.S. Technology ETF (IYW)
- Invesco QQQ Trust (QQQ)
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Technology Select SPDR (XLK) Investors
- FIRE Calculator â Plan your retirement corpus with Technology Select SPDR (XLK) as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Technology Select SPDR (XLK) could cost you
- SIP vs EMI Calculator â Compare investing in Technology Select SPDR (XLK) vs paying off loans
Frequently Asked Questions About Technology Select SPDR (XLK)
What is the historical SIP return of Technology Select SPDR (XLK)?
Based on the latest data, Technology Select SPDR (XLK) has delivered an annualized return (CAGR) of 34.21% over 3 years, 22.02% over 5 years, and 24.61% over 10 years. Experienced -31% drawdown during 2022 before rebounding with historic gains.
How is Technology Select SPDR (XLK) SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Technology Select SPDR (XLK) generate over 5 years?
At an estimated annual return rate of 22.02%, a monthly $500 investment ($30,000 total invested) would grow to approximately $54,866 in 5 years, yielding an estimated wealth gain of $24,866. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Technology Select SPDR (XLK)?
Technology Select SPDR (XLK)'s top holdings include NVIDIA Corp. (NVDA), Microsoft Corp. (MSFT), Apple Inc. (AAPL), and Broadcom Inc. (AVGO). The fund's sector allocation is Semiconductors 38.5%, Software & Cloud 35.2%, Technology Hardware 18.4%, IT Services 7.9%.
What is the risk profile of Technology Select SPDR (XLK)?
Standard deviation is ~20.5% reflecting focused technology sector beta. This fund may not be suitable for conservative income investors or those seeking broad multi-sector diversification..
What are the tax implications of investing in Technology Select SPDR (XLK)?
Standard ETF tax efficiency shields shareholders from capital gain distributions.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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