What if you'd held VCR?
A $1,000 investment in Vanguard Consumer Discretion ETF (VCR) at the month-end close of 2004-01 would be worth $10,193 at the close of 2026-09 — +919.3% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $10,467.
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 2004
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2004 | $1,000 | — |
| 2005 | $959 | -4.1% |
| 2006 | $1,117 | +16.5% |
| 2007 | $986 | -11.8% |
| 2008 | $612 | -37.9% |
| 2009 | $896 | +46.4% |
| 2010 | $1,170 | +30.6% |
| 2011 | $1,213 | +3.7% |
| 2012 | $1,511 | +24.6% |
| 2013 | $2,171 | +43.7% |
| 2014 | $2,348 | +8.2% |
| 2015 | $2,495 | +6.3% |
| 2016 | $2,663 | +6.7% |
| 2017 | $3,270 | +22.8% |
| 2018 | $3,195 | -2.3% |
| 2019 | $4,072 | +27.4% |
| 2020 | $6,041 | +48.4% |
| 2021 | $7,543 | +24.9% |
| 2022 | $4,891 | -35.2% |
| 2023 | $6,867 | +40.4% |
| 2024 | $8,533 | +24.3% |
| 2025 | $9,025 | +5.8% |
| 2026 | $8,908 | -1.3% |
Best and worst month-end to buy
The best single month-end close to have bought VCR was 2009-02 ($22.10): $1,000 then is $17,527 today. The worst was 2026-05 ($401): $1,000 then is $966.
FAQ
What would $1,000 in VCR be worth today?
A $1,000 investment in Vanguard Consumer Discretion ETF (VCR) at the start of 2004 would be worth about $10,193 today, a total return of +919.3%. Dividends are reinvested in these figures.
What were the best and worst years for VCR?
Vanguard Consumer Discretion ETF (VCR)'s strongest calendar year since 2004 was 2020, a +48.4% return — $1,000 held through that year became about $1,484 by year-end. Its weakest year was 2008, at -37.9%.
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 VCR have grown?
Investing $100 at the end of every month since 2004-01 would have grown to about $139,333 on $27,300 invested.
Did VCR 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. VCR trailed the S&P 500 by +2.6% 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
Vanguard Consumer Discretion ETF (VCR) 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.
What if you'd held…
Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.