Wall Street RegretsThe regret calculator.

What if you'd held VBK?

A $1,000 investment in Vanguard Morningstar Small-Cap Growth ETF (VBK) at the month-end close of 2004-01 would be worth $8,247 at the close of 2026-09 — +724.7% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $10,467.

$1,000 since 2004$8,247Total return+724.7%Multiple8.2×CAGR+9.8%

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$8,247Gain+$7,247 (+724.7%)Multiple8.2×CAGR+9.8%

    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.

    2004$8,2472005$7,4792006$6,8842007$6,1362008$5,5832009$9,3562010$6,5512011$5,0032012$5,0852013$4,3172014$3,1222015$3,0022016$3,0832017$2,7802018$2,2812019$2,4192020$1,8222021$1,3452022$1,2732023$1,7792024$1,4652025$1,2582026$1,159

    Every year, $1,000 from 2004

    YearValue of $1,000Year return
    2004$1,000
    2005$1,086+8.6%
    2006$1,219+12.2%
    2007$1,340+9.9%
    2008$799-40.3%
    2009$1,142+42.8%
    2010$1,495+31.0%
    2011$1,471-1.6%
    2012$1,733+17.8%
    2013$2,396+38.3%
    2014$2,492+4.0%
    2015$2,426-2.6%
    2016$2,690+10.9%
    2017$3,278+21.9%
    2018$3,092-5.7%
    2019$4,104+32.7%
    2020$5,559+35.4%
    2021$5,874+5.7%
    2022$4,203-28.4%
    2023$5,105+21.4%
    2024$5,947+16.5%
    2025$6,452+8.5%
    2026$7,479+15.9%

    Best and worst month-end to buy

    The best single month-end close to have bought VBK was 2009-02 ($31.33): $1,000 then is $11,154 today. The worst was 2026-06 ($366): $1,000 then is $956.

    FAQ

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

    A $1,000 investment in Vanguard Morningstar Small-Cap Growth ETF (VBK) at the start of 2004 would be worth about $8,247 today, a total return of +724.7%. Dividends are reinvested in these figures.

    What were the best and worst years for VBK?

    Vanguard Morningstar Small-Cap Growth ETF (VBK)'s strongest calendar year since 2004 was 2009, a +42.8% return — $1,000 held through that year became about $1,428 by year-end. Its weakest year was 2008, at -40.3%.

    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 VBK have grown?

    Investing $100 at the end of every month since 2004-01 would have grown to about $104,810 on $27,300 invested.

    Did VBK 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 $10,467. VBK trailed the S&P 500 by +21.2% 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

    Vanguard Morningstar Small-Cap Growth ETF (VBK) historical total-return data from 2004-01 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.