Wall Street RegretsThe regret calculator.

What if you'd held ITM?

A $1,000 investment in VanEck Intermediate Muni ETF (ITM) at the month-end close of 2007-12 would be worth $1,762 at the close of 2026-09 — +76.2% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $7,501.

$1,000 since 2007$1,762Total return+76.2%Multiple1.8×CAGR+3.1%

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$1,762Gain+$762 (+76.2%)Multiple1.8×CAGR+3.1%

    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$1,7622008$1,7622009$1,7832010$1,6112011$1,5852012$1,4002013$1,3182014$1,3812015$1,2522016$1,2082017$1,2222018$1,1512019$1,1402020$1,0522021$9942022$9922023$1,0942024$1,0352025$1,0282026$976

    Every year, $1,000 from 2007

    YearValue of $1,000Year return
    2007$1,000
    2008$988-1.2%
    2009$1,094+10.7%
    2010$1,112+1.6%
    2011$1,259+13.2%
    2012$1,337+6.2%
    2013$1,276-4.5%
    2014$1,407+10.3%
    2015$1,459+3.6%
    2016$1,442-1.1%
    2017$1,531+6.1%
    2018$1,546+1.0%
    2019$1,675+8.3%
    2020$1,773+5.9%
    2021$1,776+0.2%
    2022$1,611-9.3%
    2023$1,703+5.7%
    2024$1,715+0.7%
    2025$1,806+5.4%
    2026$1,762-2.4%

    Best and worst month-end to buy

    The best single month-end close to have bought ITM was 2008-10 ($24.45): $1,000 then is $1,854 today. The worst was 2026-02 ($47.37): $1,000 then is $957.

    FAQ

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

    A $1,000 investment in VanEck Intermediate Muni ETF (ITM) at the start of 2007 would be worth about $1,762 today, a total return of +76.2%. Dividends are reinvested in these figures.

    What were the best and worst years for ITM?

    VanEck Intermediate Muni ETF (ITM)'s strongest calendar year since 2007 was 2011, a +13.2% return — $1,000 held through that year became about $1,132 by year-end. Its weakest year was 2022, at -9.3%.

    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 ITM have grown?

    Investing $100 at the end of every month since 2007-12 would have grown to about $28,166 on $22,600 invested.

    Did ITM 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 $7,501. ITM trailed the S&P 500 by +76.5% 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

    VanEck Intermediate Muni ETF (ITM) historical total-return data from 2007-12 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.