Wall Street RegretsThe regret calculator.

$1,000 in Vanguard Total Bond Market ETF in 2016 → $876 today

Distributions not counted. This fund pays most of its return as distributions, so a price-only figure can show a loss its holders did not have.

BND is a bond fund: most of what it returns arrives as interest it pays out to holders. Every figure on this page follows the share price alone and leaves those payments out, so it understates what holders received.

If you'd invested $1,000 in Vanguard Total Bond Market ETF (BND) in 2016, buying at the December 2016 month-end close of $80.80 (the first in this price history), and held to the latest close on 2026-10-16, you'd have $876. That's a -12.4% price return. Through September 2026, the latest month the fund has reported, the same $1,000 became $868 in BND and $3,999 in an S&P 500 index fund (TSP C Fund). The fund figure includes reinvested dividends; the stock figure does not, so the comparison favors the fund.

$1,000 in 2016$876Price return-12.4%Multiple88%CAGR-1.3%

Nearby years: 2017 · 2018 · 2019 · 2020 all years →

FAQ

How much is $1,000 invested in BND in 2016 worth today?

$876 at the latest close (2026-10-16), a price return of -12.4%.

Did $1,000 in BND in 2016 beat the market?

No. From the December 2016 month-end through September 2026, BND trailed an S&P 500 index fund by 78.3%: the fund (the TSP C Fund, dividends included) turned the same $1,000 into $3,999, and BND (price only) turned it into $868.

What does "month-end close" mean for this calculation?

It is a month's last price on IEX: the last regular-session trade on the month's final trading day. Here the buy is the December 2016 close and the position is valued at the latest close (2026-10-16).

Is the 2016–2026 return in BND typical?

No single year is typical. BND's best calendar year since 2016 was 2019, at +5.9%, and its worst was 2022, at -15.2%.

Methodology

The figures use BND's price data from December 2016 through 2026-10-16.

The entry price is the December 2016 month-end close and the exit is the latest close, both from IEX Historical Data. Price return: adjusted for stock splits, dividends not included. The market comparison uses the TSP C Fund's monthly returns, published at tsp.gov.

Buying at a month-end close misses the highs and lows inside the month, and the figures ignore taxes and fees. To try another amount, month or monthly contribution, use the BND calculator, which also shows the best and worst entry points in your window.

Full methodology →

Compute your own BND scenario

Open the BND calculator BND hub

Prices as of the last IEX trade on 2026-10-16. Data delayed end-of-day.