What if you'd held HERZ?
A $1,000 investment in Herzfeld Credit Income Fund, Inc. (HERZ) at the month-end close of 1994-05 would be worth $2,807 at the close of 2026-08 — +180.7% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $16,885.
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 2026-08, dividends included.
Every year, $1,000 from 1994
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1994 | $1,000 | — |
| 1995 | $884 | -11.6% |
| 1996 | $808 | -8.6% |
| 1997 | $859 | +6.3% |
| 1998 | $677 | -21.2% |
| 1999 | $832 | +22.9% |
| 2000 | $589 | -29.1% |
| 2001 | $547 | -7.1% |
| 2002 | $551 | +0.6% |
| 2003 | $790 | +43.4% |
| 2004 | $997 | +26.2% |
| 2005 | $1,348 | +35.3% |
| 2006 | $2,892 | +114.5% |
| 2007 | $1,675 | -42.1% |
| 2008 | $921 | -45.0% |
| 2009 | $1,407 | +52.8% |
| 2010 | $1,572 | +11.7% |
| 2011 | $1,423 | -9.5% |
| 2012 | $1,737 | +22.1% |
| 2013 | $2,098 | +20.7% |
| 2014 | $2,456 | +17.1% |
| 2015 | $1,872 | -23.8% |
| 2016 | $1,941 | +3.7% |
| 2017 | $2,099 | +8.2% |
| 2018 | $1,519 | -27.7% |
| 2019 | $2,236 | +47.2% |
| 2020 | $2,136 | -4.4% |
| 2021 | $2,653 | +24.2% |
| 2022 | $2,111 | -20.4% |
| 2023 | $1,825 | -13.6% |
| 2024 | $1,879 | +3.0% |
| 2025 | $3,556 | +89.2% |
| 2026 | $2,694 | -24.2% |
Best and worst month-end to buy
The best single month-end close to have bought HERZ was 2001-09 ($2.85): $1,000 then is $5,614 today. The worst was 2025-12 ($21.12): $1,000 then is $758.
FAQ
What would $1,000 in HERZ be worth today?
A $1,000 investment in Herzfeld Credit Income Fund, Inc. (HERZ) at the start of 1994 would be worth about $2,807 today, a total return of +180.7%. Dividends are reinvested in these figures.
What were the best and worst years for HERZ?
Herzfeld Credit Income Fund, Inc. (HERZ)'s strongest calendar year since 1994 was 2006, a +114.5% return — $1,000 held through that year became about $2,145 by year-end. Its weakest year was 2008, at -45.0%.
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 HERZ have grown?
Investing $100 at the end of every month since 1994-05 would have grown to about $85,693 on $38,800 invested.
Did HERZ beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $16,885. HERZ trailed the S&P 500 by +83.4% 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
Herzfeld Credit Income Fund, Inc. (HERZ) historical total-return data from 1994-05 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.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.