Wall Street RegretsThe regret calculator.

What if you'd held CWI?

A $1,000 investment in State Street SPDR MSCI ACWI ex-US ETF (CWI) at the month-end close of 2007-01 would be worth $2,870 at the close of 2026-09 — +187.0% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $7,795.

$1,000 since 2007$2,870Total return+187.0%Multiple2.9×CAGR+5.5%

Your scenario

Dates resolve to the nearest month-end close.
Leave empty for "held until today".
Invested at each month-end. Starts on the buy date.

Result

Worth$2,870Gain+$1,870 (+187.0%)Multiple2.9×CAGR+5.5%

    If you'd bought $1,000 at the start of each year

    Value of $1,000 invested on January 1 of each year, held to 2026-09, dividends included.

    2007$2,8702008$2,5302009$4,3782010$3,1912011$2,8622012$3,3172013$2,8332014$2,4852015$2,5692016$2,7242017$2,5982018$2,0472019$2,3752020$1,9492021$1,7752022$1,6302023$1,9272024$1,6652025$1,5672026$1,180

    Every year, $1,000 from 2007

    YearValue of $1,000Year return
    2007$1,000
    2008$578-42.2%
    2009$793+37.2%
    2010$884+11.5%
    2011$763-13.7%
    2012$893+17.1%
    2013$1,018+14.0%
    2014$985-3.3%
    2015$929-5.7%
    2016$974+4.9%
    2017$1,236+26.9%
    2018$1,065-13.8%
    2019$1,298+21.9%
    2020$1,426+9.8%
    2021$1,552+8.9%
    2022$1,313-15.4%
    2023$1,519+15.7%
    2024$1,615+6.3%
    2025$2,144+32.8%
    2026$2,530+18.0%

    Best and worst month-end to buy

    The best single month-end close to have bought CWI was 2009-02 ($7.50): $1,000 then is $5,587 today. The worst was 2026-09 ($41.90): $1,000 then is $1,000.

    FAQ

    What would $1,000 in CWI be worth today?

    A $1,000 investment in State Street SPDR MSCI ACWI ex-US ETF (CWI) at the start of 2007 would be worth about $2,870 today, a total return of +187.0%. Dividends are reinvested in these figures.

    What were the best and worst years for CWI?

    State Street SPDR MSCI ACWI ex-US ETF (CWI)'s strongest calendar year since 2007 was 2009, a +37.2% return — $1,000 held through that year became about $1,372 by year-end. Its weakest year was 2008, at -42.2%.

    Does the calculator include dividends and splits?

    Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.

    How much would $100 per month in CWI have grown?

    Investing $100 at the end of every month since 2007-01 would have grown to about $56,747 on $23,700 invested.

    Did CWI beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 with dividends reinvested (the S&P 500 Total Return index) would be worth $7,795. CWI trailed the S&P 500 by +63.2% in total return.

    Is this investment advice?

    No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.

    Methodology

    State Street SPDR MSCI ACWI ex-US ETF (CWI) historical total-return data from 2007-01 to 2026-09, reduced to month-end closes for the tables above.

    Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (EODHD): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.

    Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.

    Full methodology →

    What if you'd held…

    Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.