Wall Street RegretsThe regret calculator.

What if you'd held EMBX?

A $1,000 investment in VanEck Emerging Markets Bond ETF (EMBX) at the month-end close of 2012-07 would be worth $683 at the close of 2026-08 — -31.7% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,588.

$1,000 since 2012$683Total return-31.7%Multiple0.68×CAGR-2.7%

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$683Gain+$-317 (-31.7%)Multiple0.7×CAGR-2.7%

    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.

    2012$6832013$6382014$7082015$7382016$9062017$8852018$8532019$9732020$9312021$8982022$9892023$1,1512024$1,1122025$1,1682026$1,042

    Every year, $1,000 from 2012

    YearValue of $1,000Year return
    2012$1,000
    2013$900-10.0%
    2014$864-4.1%
    2015$703-18.6%
    2016$720+2.4%
    2017$747+3.8%
    2018$655-12.3%
    2019$684+4.5%
    2020$710+3.7%
    2021$645-9.2%
    2022$554-14.0%
    2023$573+3.4%
    2024$546-4.8%
    2025$612+12.1%
    2026$638+4.2%

    Best and worst month-end to buy

    The best single month-end close to have bought EMBX was 2022-10 ($39.90): $1,000 then is $1,287 today. The worst was 2013-04 ($83.28): $1,000 then is $617.

    FAQ

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

    A $1,000 investment in VanEck Emerging Markets Bond ETF (EMBX) at the start of 2012 would be worth about $683 today, a total return of -31.7%. Dividends are reinvested in these figures.

    What were the best and worst years for EMBX?

    VanEck Emerging Markets Bond ETF (EMBX)'s strongest calendar year since 2012 was 2025, a +12.1% return — $1,000 held through that year became about $1,121 by year-end. Its weakest year was 2015, at -18.6%.

    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 EMBX have grown?

    Investing $100 at the end of every month since 2012-07 would have grown to about $15,861 on $17,000 invested.

    Did EMBX beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $5,588. EMBX trailed the S&P 500 by +87.8% 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

    VanEck Emerging Markets Bond ETF (EMBX) historical total-return data from 2012-07 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.