Wall Street RegretsThe regret calculator.

What if you'd held GOVT?

A $1,000 investment in iShares U.S. Treasury Bond ETF (GOVT) at the month-end close of 2012-02 would be worth $1,189 at the close of 2026-08 — +18.9% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,644.

$1,000 since 2012$1,189Total return+18.9%Multiple1.2×CAGR+1.2%

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$1,189Gain+$189 (+18.9%)Multiple1.2×CAGR+1.2%

    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$1,1892013$1,1652014$1,1952015$1,1412016$1,1322017$1,1242018$1,1012019$1,0972020$1,0222021$9532022$9642023$1,1132024$1,0682025$1,0372026$1,000

    Every year, $1,000 from 2012

    YearValue of $1,000Year return
    2012$1,000
    2013$975-2.5%
    2014$1,021+4.7%
    2015$1,029+0.9%
    2016$1,036+0.7%
    2017$1,058+2.1%
    2018$1,061+0.3%
    2019$1,140+7.4%
    2020$1,222+7.3%
    2021$1,209-1.1%
    2022$1,047-13.4%
    2023$1,090+4.1%
    2024$1,123+3.0%
    2025$1,165+3.8%
    2026$1,165-0.0%

    Best and worst month-end to buy

    The best single month-end close to have bought GOVT was 2012-03 ($18.80): $1,000 then is $1,199 today. The worst was 2020-07 ($24.22): $1,000 then is $931.

    FAQ

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

    A $1,000 investment in iShares U.S. Treasury Bond ETF (GOVT) at the start of 2012 would be worth about $1,189 today, a total return of +18.9%. Dividends are reinvested in these figures.

    What were the best and worst years for GOVT?

    iShares U.S. Treasury Bond ETF (GOVT)'s strongest calendar year since 2012 was 2019, a +7.4% return — $1,000 held through that year became about $1,074 by year-end. Its weakest year was 2022, at -13.4%.

    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 GOVT have grown?

    Investing $100 at the end of every month since 2012-02 would have grown to about $18,882 on $17,500 invested.

    Did GOVT beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $5,644. GOVT trailed the S&P 500 by +78.9% 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

    iShares U.S. Treasury Bond ETF (GOVT) historical total-return data from 2012-02 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.