Wall Street RegretsThe regret calculator.

What if you'd held CIA?

A $1,000 investment in Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) at the month-end close of 1980-12 would be worth $892 at the close of 2026-08 — -10.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $56,777.

$1,000 since 1980$892Total return-10.8%Multiple0.89×CAGR-0.3%

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$892Gain+$-108 (-10.8%)Multiple0.9×CAGR-0.3%

    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 2026-08, dividends included.

    2000$8412001$7792002$4312003$6322004$4702005$6502006$7102007$5862008$7002009$3992010$5932011$5192012$3992013$3502014$4422015$5092016$5212017$3942018$5272019$5152020$5732021$6752022$7292023$1,8172024$1,4392025$9652026$801

    Every year, $1,000 from 1980

    YearValue of $1,000Year return
    1980$1,000
    1981$677-32.3%
    1982$429-36.7%
    1983$320-25.3%
    1984$339+5.8%
    1985$376+10.9%
    1986$606+61.3%
    1987$2,143+253.6%
    1988$624-70.9%
    1989$839+34.3%
    1990$606-27.7%
    1991$786+29.7%
    1992$714-9.1%
    1993$1,214+70.0%
    1994$1,177-3.0%
    1995$1,313+11.5%
    1996$1,214-7.5%
    1997$929-23.5%
    1998$804-13.4%
    1999$1,060+31.8%
    2000$1,145+8.0%
    2001$2,069+80.7%
    2002$1,410-31.8%
    2003$1,899+34.6%
    2004$1,371-27.8%
    2005$1,256-8.4%
    2006$1,521+21.1%
    2007$1,274-16.2%
    2008$2,235+75.4%
    2009$1,505-32.7%
    2010$1,717+14.1%
    2011$2,233+30.1%
    2012$2,546+14.0%
    2013$2,016-20.8%
    2014$1,751-13.1%
    2015$1,712-2.2%
    2016$2,263+32.2%
    2017$1,694-25.2%
    2018$1,733+2.3%
    2019$1,555-10.2%
    2020$1,320-15.1%
    2021$1,224-7.3%
    2022$491-59.9%
    2023$620+26.3%
    2024$924+49.1%
    2025$1,113+20.4%
    2026$892-19.9%

    Best and worst month-end to buy

    The best single month-end close to have bought CIA was 1983-08 ($1.39): $1,000 then is $2,784 today. The worst was 1988-11 ($30.38): $1,000 then is $127.

    FAQ

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

    A $1,000 investment in Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) at the start of 1980 would be worth about $892 today, a total return of -10.8%. Dividends are reinvested in these figures.

    What were the best and worst years for CIA?

    Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA)'s strongest calendar year since 1980 was 1987, a +253.6% return — $1,000 held through that year became about $3,536 by year-end. Its weakest year was 1988, at -70.9%.

    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 CIA have grown?

    Investing $100 at the end of every month since 1980-12 would have grown to about $52,313 on $54,900 invested.

    Did CIA beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $56,777. CIA trailed the S&P 500 by +98.4% 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

    Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) historical total-return data from 1980-12 to 2026-08, reduced to month-end closes for the tables above.

    Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. 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 (Yahoo Finance): 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 Yahoo Finance. As of 2026-08. Not financial advice.