Wall Street RegretsThe regret calculator.

What if you'd held MHD?

A $1,000 investment in Blackrock MuniHoldings Fund, Inc. (MHD) at the month-end close of 1997-05 would be worth $4,653 at the close of 2026-08 — +365.3% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $15,314.

$1,000 since 1997$4,653Total return+365.3%Multiple4.7×CAGR+5.4%

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$4,653Gain+$3,653 (+365.3%)Multiple4.7×CAGR+5.4%

    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 2026-08, dividends included.

    2000$4,5972001$4,6722002$3,7252003$3,5402004$2,9382005$2,6392006$2,3802007$2,2052008$2,4462009$3,3142010$2,0882011$1,8722012$1,5772013$1,3272014$1,5702015$1,2452016$1,1682017$1,1682018$1,0812019$1,1422020$9472021$9442022$8732023$1,1432024$1,1202025$1,0832026$1,012

    Every year, $1,000 from 1997

    YearValue of $1,000Year return
    1997$1,000
    1998$1,160+16.0%
    1999$965-16.8%
    2000$949-1.6%
    2001$1,191+25.4%
    2002$1,253+5.2%
    2003$1,510+20.5%
    2004$1,681+11.3%
    2005$1,864+10.9%
    2006$2,012+7.9%
    2007$1,813-9.9%
    2008$1,339-26.2%
    2009$2,125+58.7%
    2010$2,370+11.5%
    2011$2,813+18.7%
    2012$3,342+18.8%
    2013$2,825-15.5%
    2014$3,564+26.2%
    2015$3,798+6.6%
    2016$3,7980.0%
    2017$4,105+8.1%
    2018$3,883-5.4%
    2019$4,685+20.6%
    2020$4,700+0.3%
    2021$5,082+8.1%
    2022$3,879-23.7%
    2023$3,961+2.1%
    2024$4,097+3.4%
    2025$4,385+7.0%
    2026$4,436+1.2%

    Best and worst month-end to buy

    The best single month-end close to have bought MHD was 1999-11 ($2.29): $1,000 then is $4,978 today. The worst was 2021-07 ($13.23): $1,000 then is $862.

    FAQ

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

    A $1,000 investment in Blackrock MuniHoldings Fund, Inc. (MHD) at the start of 1997 would be worth about $4,653 today, a total return of +365.3%. Dividends are reinvested in these figures.

    What were the best and worst years for MHD?

    Blackrock MuniHoldings Fund, Inc. (MHD)'s strongest calendar year since 1997 was 2009, a +58.7% return — $1,000 held through that year became about $1,587 by year-end. Its weakest year was 2008, at -26.2%.

    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 MHD have grown?

    Investing $100 at the end of every month since 1997-05 would have grown to about $74,901 on $35,200 invested.

    Did MHD 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 $15,314. MHD trailed the S&P 500 by +69.6% 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

    Blackrock MuniHoldings Fund, Inc. (MHD) historical total-return data from 1997-05 to 2026-08, 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 2026-08. Not financial advice.