What if you'd held XRT?
A $1,000 investment in State Street SPDR S&P Retail ETF (XRT) at the month-end close of 2006-06 would be worth $6,053 at the close of 2026-09 — +505.3% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $8,921.
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 2006
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2006 | $1,000 | — |
| 2007 | $830 | -17.0% |
| 2008 | $514 | -38.0% |
| 2009 | $913 | +77.5% |
| 2010 | $1,254 | +37.3% |
| 2011 | $1,376 | +9.7% |
| 2012 | $1,661 | +20.7% |
| 2013 | $2,361 | +42.2% |
| 2014 | $2,594 | +9.9% |
| 2015 | $2,364 | -8.9% |
| 2016 | $2,442 | +3.3% |
| 2017 | $2,545 | +4.2% |
| 2018 | $2,340 | -8.1% |
| 2019 | $2,670 | +14.1% |
| 2020 | $3,790 | +41.9% |
| 2021 | $5,404 | +42.6% |
| 2022 | $3,695 | -31.6% |
| 2023 | $4,490 | +21.5% |
| 2024 | $5,019 | +11.8% |
| 2025 | $5,424 | +8.1% |
| 2026 | $5,597 | +3.2% |
Best and worst month-end to buy
The best single month-end close to have bought XRT was 2008-11 ($7.20): $1,000 then is $12,165 today. The worst was 2026-07 ($90.58): $1,000 then is $967.
FAQ
What would $1,000 in XRT be worth today?
A $1,000 investment in State Street SPDR S&P Retail ETF (XRT) at the start of 2006 would be worth about $6,053 today, a total return of +505.3%. Dividends are reinvested in these figures.
What were the best and worst years for XRT?
State Street SPDR S&P Retail ETF (XRT)'s strongest calendar year since 2006 was 2009, a +77.5% return — $1,000 held through that year became about $1,775 by year-end. Its weakest year was 2008, at -38.0%.
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 XRT have grown?
Investing $100 at the end of every month since 2006-06 would have grown to about $76,514 on $24,400 invested.
Did XRT 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 $8,921. XRT trailed the S&P 500 by +32.1% 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 Retail ETF (XRT) historical total-return data from 2006-06 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.