SoFi Select 500 (SFY) Performance
SFY total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +14.0% since Dec 31, 2025
- 1 year
- +16.0% total return
- 5 years
- +13.6% a year
- Since first price
- +17.0% a year since 2019
SFY trailing returns vs SPY, QQQ, AGG
| Period | SFY total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −2.7% | −2.7% | −1.0% | −5.0% | +0.9% |
| 3 months | +2.8% | +2.8% | +3.2% | +1.9% | −0.4% |
| 6 months | +8.6% | +8.1% | +7.8% | +8.4% | −1.5% |
| YTD | +14.0% | +13.5% | +12.3% | +15.1% | −1.0% |
| 1 year | +16.0% | +15.0% | +14.4% | +15.9% | −1.1% |
| 3 years | +107.4%+27.5%/yr | +100.9% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +89.0%+13.6%/yr | +78.0% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| Since inceptionApr 11, 2019 | +227.4%+17.0%/yr | +199.6% | — | — | — |
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: SFY vs SPY
From Apr 11, 2019: SFY grew to $32,737, SPY to $29,420.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
SFY returns by calendar year
5 of 6 full years positive. Best 2024 (+29.8%), worst 2022 (−22.8%). 2026 is year to date.
SFY annual returns table
| Year | SFY | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +14.0% | −10.8% | +12.3% | +15.1% | −1.0% |
| 2025 | +22.7% | −21.0% | +17.7% | +20.8% | +7.2% |
| 2024 | +29.8% | −11.2% | +24.9% | +25.6% | +1.3% |
| 2023 | +29.4% | −10.2% | +26.2% | +54.9% | +5.7% |
| 2022 | −22.8% | −27.7% | −18.2% | −32.6% | −13.0% |
| 2021 | +28.0% | −6.0% | +28.7% | +27.4% | −1.8% |
| 2020 | +24.5% | −33.2% | +18.3% | +48.6% | +7.5% |
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.
SFY largest drawdowns
Now 4.7% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Feb 19, 2020 | −33.2% | Mar 23, 2020 | Aug 3, 2020 | 33 days | 5 months |
| Jan 3, 2022 | −27.7% | Oct 14, 2022 | Jan 19, 2024 | 9 months | 2.0 years |
| Feb 19, 2025 | −21.0% | Apr 8, 2025 | Jun 24, 2025 | 48 days | 4 months |
| Jul 10, 2024 | −11.2% | Aug 5, 2024 | Sep 24, 2024 | 26 days | 2 months |
| Jan 28, 2026 | −10.8% | Mar 30, 2026 | Apr 14, 2026 | 2 months | 2 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
SFY risk statistics
| Statistic | 3 years | 5 years | Since 2019 |
|---|---|---|---|
| Annualized return | +27.5% | +15.4% | +17.4% |
| Volatility (annualized) | 14.8% | 17.5% | 17.7% |
| Sharpe ratio | 1.44 | 0.70 | 0.85 |
| Sortino ratio | 3.16 | 1.15 | 1.40 |
| Best month | +12.5% | +12.5% | +12.5% |
| Worst month | −7.0% | −10.3% | −11.0% |
| Best 12 months | +42.8% | +42.8% | +58.9% |
| Worst 12 months | +10.5% | −22.8% | −22.8% |
| Positive months | 69% | 62% | 65% |
| Beta vs S&P 500 | 1.16 | 1.10 | — |
| Correlation with S&P 500 | 0.97 | 0.98 | — |
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.
SFY rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 79 | −22.8% | +22.2% | +58.9% | 85% |
| 3-year (a year) | 55 | +6.9% | +12.6% | +28.4% | 100% |
| 5-year (a year) | 31 | +12.8% | +15.9% | +18.8% | 100% |
Every holding period starting at a month-end since 2019. Returns for 3 years and longer are annualized.
SFY performance overview
SoFi Select 500 (SFY) returned +16.0% over the past year and +13.6% a year over five years, with distributions reinvested. Since its first recorded price in 2019 it has returned +17.0% a year, turning $10,000 into about $32,737. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −33.2%, from Feb 19, 2020 to Mar 23, 2020, and it took 4 months to get back to the old high. SFY finished 5 of its 6 full calendar years with a gain; the best year was 2024 (+29.8%) and the worst 2022 (−22.8%). Volatility has been 17.7% a year.
Related: SFY chart, SFY holdings, SFY dividends, SFY valuation. See the SFY overview for the latest quote and fund facts.
SFY performance FAQ
What is the SFY return over the past year?
SFY returned +16.0% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 15.0%.
What is the average annual return of SFY?
SFY has returned +13.6% a year over 5 years, +17.0% a year since April 11, 2019 (total return, distributions reinvested).
How much would $10,000 invested in SFY be worth?
$10,000 invested in SFY at its first recorded close on April 11, 2019 would be worth about $32,737 on October 23, 2026 with distributions reinvested.
What was the worst year for SFY?
The worst calendar year was 2022, with a total return of −22.8%. The best was 2024 at +29.8%.
What is the biggest drawdown of SFY?
The largest peak-to-trough decline was −33.2% between February 19, 2020 and March 23, 2020. It recovered to the old high on August 3, 2020, 4 months after the bottom.
How volatile is SFY?
Over the past 3 years SFY had an annualized volatility of 14.8% and a Sharpe ratio of 1.44 (excess return over 1–3 month T-bills per unit of risk).