What if you'd held SCHA?
A $1,000 investment in Schwab U.S. Small-Cap ETF (SCHA) at the month-end close of 2009-11 would be worth $6,938 at the close of 2026-09 — +593.8% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $9,596.
Your scenario
Result
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.
Every year, $1,000 from 2009
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2009 | $1,000 | — |
| 2010 | $1,285 | +28.5% |
| 2011 | $1,246 | -3.0% |
| 2012 | $1,474 | +18.3% |
| 2013 | $2,056 | +39.5% |
| 2014 | $2,190 | +6.5% |
| 2015 | $2,099 | -4.2% |
| 2016 | $2,519 | +20.0% |
| 2017 | $2,894 | +14.9% |
| 2018 | $2,554 | -11.7% |
| 2019 | $3,231 | +26.5% |
| 2020 | $3,854 | +19.3% |
| 2021 | $4,491 | +16.5% |
| 2022 | $3,601 | -19.8% |
| 2023 | $4,265 | +18.4% |
| 2024 | $4,741 | +11.2% |
| 2025 | $5,291 | +11.6% |
| 2026 | $6,446 | +21.8% |
Best and worst month-end to buy
The best single month-end close to have bought SCHA was 2009-11 ($4.98): $1,000 then is $6,938 today. The worst was 2026-06 ($36.13): $1,000 then is $956.
FAQ
What would $1,000 in SCHA be worth today?
A $1,000 investment in Schwab U.S. Small-Cap ETF (SCHA) at the start of 2009 would be worth about $6,938 today, a total return of +593.8%. Dividends are reinvested in these figures.
What were the best and worst years for SCHA?
Schwab U.S. Small-Cap ETF (SCHA)'s strongest calendar year since 2009 was 2013, a +39.5% return — $1,000 held through that year became about $1,395 by year-end. Its weakest year was 2022, at -19.8%.
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 SCHA have grown?
Investing $100 at the end of every month since 2009-11 would have grown to about $55,941 on $20,300 invested.
Did SCHA 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 $9,596. SCHA trailed the S&P 500 by +27.7% 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
Schwab U.S. Small-Cap ETF (SCHA) historical total-return data from 2009-11 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.
What if you'd held…
Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.