Wall Street RegretsThe regret calculator.

What if you'd held VLU?

A $1,000 investment in State Street SPDR S&P 1500 Value Tilt ETF (VLU) at the month-end close of 2012-10 would be worth $6,017 at the close of 2026-09 — +501.7% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $7,010.

$1,000 since 2012$6,017Total return+501.7%Multiple6.0×CAGR+13.8%

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$6,017Gain+$5,017 (+501.7%)Multiple6.0×CAGR+13.8%

    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.

    2012$6,0172013$5,9702014$4,4352015$3,9042016$4,0022017$3,4712018$2,9382019$3,1892020$2,5272021$2,2992022$1,7562023$1,9142024$1,6332025$1,3932026$1,194

    Every year, $1,000 from 2012

    YearValue of $1,000Year return
    2012$1,000
    2013$1,346+34.6%
    2014$1,529+13.6%
    2015$1,492-2.4%
    2016$1,720+15.3%
    2017$2,032+18.2%
    2018$1,872-7.9%
    2019$2,362+26.2%
    2020$2,596+9.9%
    2021$3,400+31.0%
    2022$3,120-8.2%
    2023$3,656+17.2%
    2024$4,286+17.2%
    2025$5,002+16.7%
    2026$5,970+19.4%

    Best and worst month-end to buy

    The best single month-end close to have bought VLU was 2012-11 ($40.41): $1,000 then is $6,168 today. The worst was 2026-09 ($249): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in State Street SPDR S&P 1500 Value Tilt ETF (VLU) at the start of 2012 would be worth about $6,017 today, a total return of +501.7%. Dividends are reinvested in these figures.

    What were the best and worst years for VLU?

    State Street SPDR S&P 1500 Value Tilt ETF (VLU)'s strongest calendar year since 2012 was 2013, a +34.6% return — $1,000 held through that year became about $1,346 by year-end. Its weakest year was 2022, at -8.2%.

    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 VLU have grown?

    Investing $100 at the end of every month since 2012-10 would have grown to about $47,441 on $16,800 invested.

    Did VLU 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 $7,010. VLU trailed the S&P 500 by +14.2% 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

    State Street SPDR S&P 1500 Value Tilt ETF (VLU) historical total-return data from 2012-10 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.