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USD=X vs. XLU
Performance
Return for Risk
Drawdowns
Volatility

USD=X vs. XLU

Last updated Jun 9, 2026

USD=X (USD Cash) is a currency, while XLU (State Street Utilities Select Sector SPDR ETF) is Utilities Equities fund tracking the Utilities Select Sector Index. Over the past 10 years, USD=X returned 0.00%/yr vs 8.99%/yr for XLU.

Performance

USD=X vs. XLU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in USD Cash (USD=X) and State Street Utilities Select Sector SPDR ETF (XLU). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

USD=X

1D
0.00%
1M
0.00%
YTD
0.00%
6M
0.00%
1Y
0.00%
3Y*
0.00%
5Y*
0.00%
10Y*
0.00%

XLU

1D
-1.87%
1M
-2.68%
YTD
2.66%
6M
3.35%
1Y
10.26%
3Y*
12.85%
5Y*
9.10%
10Y*
8.99%
*Multi-year figures are annualized to reflect compound growth (CAGR)

USD=X vs. XLU - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
USD=X
USD Cash		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
XLU
State Street Utilities Select Sector SPDR ETF		2.66%16.03%23.31%-7.18%1.44%17.70%0.51%25.93%3.94%12.05%

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USD Cash

State Street Utilities Select Sector SPDR ETF

Often compared with USD=X:
USD=X vs. UUPUSD=X vs. EUR=XUSD=X vs. XRP-USDUSD=X vs. BTC-USDUSD=X vs. QQQUSD=X vs. TSLAUSD=X vs. USDX
Often compared with XLU:
XLU vs. VPUXLU vs. XLEXLU vs. XLPXLU vs. SPYXLU vs. FUTYXLU vs. UTESXLU vs. IDU

Return for Risk

USD=X vs. XLU — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
USD=X
XLU
XLU Risk / Return Rank: 2222
Overall Rank
XLU Sharpe Ratio Rank: 2222
Sharpe Ratio Rank
XLU Sortino Ratio Rank: 2121
Sortino Ratio Rank
XLU Omega Ratio Rank: 2121
Omega Ratio Rank
XLU Calmar Ratio Rank: 2626
Calmar Ratio Rank
XLU Martin Ratio Rank: 2121
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

USD=X vs. XLU - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for USD Cash (USD=X) and State Street Utilities Select Sector SPDR ETF (XLU). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

USD=X vs. XLU - Sharpe Ratio Comparison

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Sharpe Ratios by Period

USD=XXLUDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

—

0.71

—

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

—

0.53

—

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

—

0.47

—

Sharpe Ratio (All Time)

Calculated using the full available price history

—

0.40

—

Drawdowns

USD=X vs. XLU - Drawdown Comparison

The maximum USD=X drawdown since its inception was 0.00%, smaller than the maximum XLU drawdown of -51.98%. Use the drawdown chart below to compare losses from any high point for USD=X and XLU.

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Drawdown Indicators

USD=XXLUDifference

Max Drawdown

Largest peak-to-trough decline

0.00%

-51.98%

+51.98%

Max Drawdown (1Y)

Largest decline over 1 year

0.00%

-9.18%

+9.18%

Max Drawdown (3Y)

Largest decline over 3 years

0.00%

-17.26%

+17.26%

Max Drawdown (5Y)

Largest decline over 5 years

0.00%

-25.26%

+25.26%

Max Drawdown (10Y)

Largest decline over 10 years

0.00%

-36.07%

+36.07%

Current Drawdown

Current decline from peak

0.00%

-8.18%

+8.18%

Average Drawdown

Average peak-to-trough decline

0.00%

-10.22%

+10.22%

Ulcer Index

Depth and duration of drawdowns from previous peaks

0.00%

4.16%

-4.16%

Volatility

USD=X vs. XLU - Volatility Comparison

The current volatility for USD Cash (USD=X) is 0.00%, while State Street Utilities Select Sector SPDR ETF (XLU) has a volatility of 5.60%. This indicates that USD=X experiences smaller price fluctuations and is considered to be less risky than XLU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

USD=XXLUDifference

Volatility (1M)

Calculated over the trailing 1-month period

0.00%

5.60%

-5.60%

Volatility (6M)

Calculated over the trailing 6-month period

0.00%

11.70%

-11.70%

Volatility (1Y)

Calculated over the trailing 1-year period

0.00%

14.64%

-14.64%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

0.00%

17.34%

-17.34%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

0.00%

19.27%

-19.27%

Frequently Asked Questions

XLU has higher volatility (5.60%) compared to USD=X (0.00%). In terms of maximum drawdown, USD=X dropped 0.00% vs XLU's -51.98%.

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