SPDR S&P Insurance ETF (KIE) Performance
KIE total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +5.9% since Dec 31, 2025
- 1 year
- +11.6% total return
- 5 years
- +10.6% a year
- 10 years
- +11.8% a year
- Since first price
- +8.1% a year since 2005
KIE trailing returns vs SPY, QQQ, AGG
| Period | KIE total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +4.7% | +4.7% | −1.0% | −5.0% | +0.9% |
| 3 months | +0.6% | +0.3% | +3.2% | +1.9% | −0.4% |
| 6 months | +8.7% | +8.0% | +7.8% | +8.4% | −1.5% |
| YTD | +5.9% | +4.6% | +12.3% | +15.1% | −1.0% |
| 1 year | +11.6% | +9.7% | +14.4% | +15.9% | −1.1% |
| 3 years | +57.7%+16.4%/yr | +50.3% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +65.4%+10.6%/yr | +52.0% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| 10 years | +204.0%+11.8%/yr | +154.0% | +315.9%+15.3%/yr | +538.9%+20.4%/yr | +14.0%+1.3%/yr |
| 15 years | +578.8%+13.6%/yr | +418.1% | +696.0%+14.8%/yr | +1,299.3%+19.2%/yr | +32.2%+1.9%/yr |
| 20 years | +390.7%+8.3%/yr | +242.5% | +696.9%+10.9%/yr | +1,839.9%+16.0%/yr | +79.6%+3.0%/yr |
| Since inceptionNov 15, 2005 | +414.2%+8.1%/yr | +255.7% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: KIE vs SPY
From Nov 15, 2005: KIE grew to $51,415, SPY to $90,507.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
KIE returns by calendar year
15 of 20 full years positive. Best 2013 (+45.6%), worst 2008 (−46.6%). 2026 is year to date.
KIE annual returns table
| Year | KIE | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +5.9% | −11.7% | +12.3% | +15.1% | −1.0% |
| 2025 | +8.1% | −12.3% | +17.7% | +20.8% | +7.2% |
| 2024 | +27.0% | −10.1% | +24.9% | +25.6% | +1.3% |
| 2023 | +12.2% | −15.1% | +26.2% | +54.9% | +5.7% |
| 2022 | +3.5% | −15.7% | −18.2% | −32.6% | −13.0% |
| 2021 | +22.8% | −9.0% | +28.7% | +27.4% | −1.8% |
| 2020 | −3.0% | −44.3% | +18.3% | +48.6% | +7.5% |
| 2019 | +27.2% | −6.2% | +31.2% | +39.0% | +8.5% |
| 2018 | −6.0% | −17.9% | −4.6% | −0.1% | +0.1% |
| 2017 | +12.8% | −8.9% | +21.7% | +32.7% | +3.6% |
| 2016 | +21.4% | −10.3% | +12.0% | +7.1% | +2.4% |
| 2015 | +6.0% | −9.4% | +1.2% | +9.4% | +0.5% |
| 2014 | +7.7% | −8.1% | +13.5% | +19.2% | +6.0% |
| 2013 | +45.6% | −5.8% | +32.3% | +36.6% | −2.0% |
| 2012 | +20.7% | −9.3% | +16.0% | +18.1% | +3.8% |
| 2011 | −12.1% | −34.0% | +1.9% | +3.4% | +7.7% |
| 2010 | +26.1% | −19.7% | +15.1% | +19.9% | +6.4% |
| 2009 | +28.0% | −48.8% | +26.4% | +54.7% | +3.0% |
| 2008 | −46.6% | −64.1% | −36.8% | −41.7% | +7.9% |
| 2007 | −5.7% | −16.8% | +5.1% | +19.0% | +6.6% |
| 2006 | +8.9% | −8.4% | +15.8% | +7.1% | +3.9% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
KIE largest drawdowns
Now 5.0% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| May 16, 2007 | −75.3% | Mar 9, 2009 | May 15, 2013 | 1.8 years | 6.0 years |
| Feb 14, 2020 | −44.3% | Mar 23, 2020 | Mar 10, 2021 | 38 days | 1.1 years |
| Sep 21, 2018 | −17.9% | Dec 24, 2018 | Apr 16, 2019 | 3 months | 7 months |
| Mar 29, 2022 | −15.7% | Sep 26, 2022 | Nov 25, 2022 | 6 months | 8 months |
| Dec 1, 2015 | −15.2% | Feb 11, 2016 | May 24, 2016 | 2 months | 6 months |
| Feb 13, 2023 | −15.1% | Mar 17, 2023 | Sep 19, 2023 | 32 days | 7 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
KIE risk statistics
| Statistic | 3 years | 5 years | 10 years | Since 2005 |
|---|---|---|---|---|
| Annualized return | +13.0% | +11.0% | +11.0% | +7.8% |
| Volatility (annualized) | 17.2% | 17.8% | 17.7% | 21.0% |
| Sharpe ratio | 0.54 | 0.47 | 0.55 | — |
| Sortino ratio | 0.87 | 0.76 | 0.83 | — |
| Best month | +11.0% | +14.4% | +14.4% | +22.0% |
| Worst month | −8.3% | −8.8% | −20.9% | −31.3% |
| Best 12 months | +39.0% | +39.0% | +53.6% | +116.5% |
| Worst 12 months | −7.7% | −7.7% | −19.9% | −62.4% |
| Positive months | 64% | 62% | 64% | 62% |
| Beta vs S&P 500 | 0.51 | 0.59 | 0.78 | — |
| Correlation with S&P 500 | 0.37 | 0.52 | 0.67 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
KIE rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 240 | −62.4% | +10.4% | +116.5% | 76% |
| 3-year (a year) | 216 | −29.4% | +12.6% | +35.1% | 82% |
| 5-year (a year) | 192 | −8.3% | +11.6% | +30.8% | 86% |
| 10-year (a year) | 132 | +4.1% | +11.5% | +20.6% | 100% |
Every holding period starting at a month-end since 2005. Returns for 3 years and longer are annualized.
KIE performance overview
SPDR S&P Insurance ETF (KIE) returned +11.6% over the past year and +11.8% a year over ten years, with distributions reinvested. Since its first recorded price in 2005 it has returned +8.1% a year, turning $10,000 into about $51,415. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −75.3%, from May 16, 2007 to Mar 9, 2009, and it took 4.2 years to get back to the old high. KIE finished 15 of its 20 full calendar years with a gain; the best year was 2013 (+45.6%) and the worst 2008 (−46.6%). Volatility has been 21.0% a year.
Related: KIE chart, KIE holdings, KIE dividends, KIE valuation. See the KIE overview for the latest quote and fund facts.
KIE performance FAQ
What is the KIE return over the past year?
KIE returned +11.6% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 9.7%.
What is the average annual return of KIE?
KIE has returned +10.6% a year over 5 years, +11.8% a year over 10 years, +8.1% a year since November 15, 2005 (total return, distributions reinvested).
How much would $10,000 invested in KIE be worth?
$10,000 invested in KIE at its first recorded close on November 15, 2005 would be worth about $51,415 on October 23, 2026 with distributions reinvested.
What was the worst year for KIE?
The worst calendar year was 2008, with a total return of −46.6%. The best was 2013 at +45.6%.
What is the biggest drawdown of KIE?
The largest peak-to-trough decline was −75.3% between May 16, 2007 and March 9, 2009. It recovered to the old high on May 15, 2013, 4.2 years after the bottom.
How volatile is KIE?
Over the past 3 years KIE had an annualized volatility of 17.2% and a Sharpe ratio of 0.54 (excess return over 1–3 month T-bills per unit of risk).