Wall Street RegretsThe regret calculator.

What if you'd held MUC?

A $1,000 investment in Blackrock MuniHoldings California Quality Fund, Inc. (MUC) at the month-end close of 1998-03 would be worth $3,407 at the close of 2026-08 — +240.7% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $11,633.

$1,000 since 1998$3,407Total return+240.7%Multiple3.4×CAGR+4.4%

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$3,407Gain+$2,407 (+240.7%)Multiple3.4×CAGR+4.4%

    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$3,9962001$3,4742002$2,9122003$2,8052004$2,5312005$2,4322006$2,0762007$2,1352008$2,2712009$3,0202010$2,0562011$1,8622012$1,5232013$1,3082014$1,5212015$1,3082016$1,2042017$1,2082018$1,1382019$1,2512020$1,0592021$9472022$8812023$1,2042024$1,1152025$1,1062026$1,044

    Every year, $1,000 from 1998

    YearValue of $1,000Year return
    1998$1,000
    1999$818-18.2%
    2000$942+15.0%
    2001$1,123+19.3%
    2002$1,166+3.8%
    2003$1,292+10.8%
    2004$1,345+4.0%
    2005$1,575+17.2%
    2006$1,532-2.7%
    2007$1,440-6.0%
    2008$1,083-24.8%
    2009$1,591+46.9%
    2010$1,757+10.4%
    2011$2,148+22.2%
    2012$2,502+16.5%
    2013$2,151-14.0%
    2014$2,502+16.3%
    2015$2,717+8.6%
    2016$2,708-0.3%
    2017$2,874+6.1%
    2018$2,615-9.0%
    2019$3,089+18.1%
    2020$3,455+11.9%
    2021$3,711+7.4%
    2022$2,717-26.8%
    2023$2,932+7.9%
    2024$2,957+0.8%
    2025$3,132+5.9%
    2026$3,271+4.4%

    Best and worst month-end to buy

    The best single month-end close to have bought MUC was 1999-12 ($2.66): $1,000 then is $3,996 today. The worst was 2021-11 ($12.51): $1,000 then is $850.

    FAQ

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

    A $1,000 investment in Blackrock MuniHoldings California Quality Fund, Inc. (MUC) at the start of 1998 would be worth about $3,407 today, a total return of +240.7%. Dividends are reinvested in these figures.

    What were the best and worst years for MUC?

    Blackrock MuniHoldings California Quality Fund, Inc. (MUC)'s strongest calendar year since 1998 was 2009, a +46.9% return — $1,000 held through that year became about $1,469 by year-end. Its weakest year was 2022, at -26.8%.

    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 MUC have grown?

    Investing $100 at the end of every month since 1998-03 would have grown to about $63,794 on $34,200 invested.

    Did MUC 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 $11,633. MUC trailed the S&P 500 by +70.7% 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 California Quality Fund, Inc. (MUC) historical total-return data from 1998-03 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.