Wall Street RegretsThe regret calculator.

What if you'd held VPL?

A $1,000 investment in Vanguard FTSE Pacific ETF (VPL) at the month-end close of 2005-03 would be worth $4,343 at the close of 2026-09 — +334.3% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $9,824.

$1,000 since 2005$4,343Total return+334.3%Multiple4.3×CAGR+7.1%

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$4,343Gain+$3,343 (+334.3%)Multiple4.3×CAGR+7.1%

    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.

    2005$4,3432006$3,4352007$3,0772008$2,9472009$4,4652010$3,7092011$3,2092012$3,7222013$3,2102014$2,7242015$2,8612016$2,8042017$2,6622018$2,0662019$2,4142020$2,0432021$1,7512022$1,7322023$2,0422024$1,7672025$1,7382026$1,310

    Every year, $1,000 from 2005

    YearValue of $1,000Year return
    2005$1,000
    2006$1,116+11.6%
    2007$1,166+4.4%
    2008$769-34.0%
    2009$926+20.4%
    2010$1,070+15.6%
    2011$923-13.8%
    2012$1,070+15.9%
    2013$1,261+17.9%
    2014$1,201-4.8%
    2015$1,225+2.0%
    2016$1,290+5.3%
    2017$1,663+28.8%
    2018$1,423-14.4%
    2019$1,682+18.2%
    2020$1,962+16.7%
    2021$1,984+1.1%
    2022$1,682-15.2%
    2023$1,944+15.6%
    2024$1,977+1.7%
    2025$2,623+32.7%
    2026$3,435+31.0%

    Best and worst month-end to buy

    The best single month-end close to have bought VPL was 2009-02 ($20.71): $1,000 then is $5,718 today. The worst was 2026-09 ($118): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in Vanguard FTSE Pacific ETF (VPL) at the start of 2005 would be worth about $4,343 today, a total return of +334.3%. Dividends are reinvested in these figures.

    What were the best and worst years for VPL?

    Vanguard FTSE Pacific ETF (VPL)'s strongest calendar year since 2005 was 2025, a +32.7% return — $1,000 held through that year became about $1,327 by year-end. Its weakest year was 2008, at -34.0%.

    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 VPL have grown?

    Investing $100 at the end of every month since 2005-03 would have grown to about $69,170 on $25,900 invested.

    Did VPL 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 $9,824. VPL trailed the S&P 500 by +55.8% 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 FTSE Pacific ETF (VPL) historical total-return data from 2005-03 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.