What if you'd held ITOT?
A $1,000 investment in iShares Core S&P Total U.S. Stock Market ETF (ITOT) at the month-end close of 2004-01 would be worth $10,115 at the close of 2026-08 — +911.5% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,814.
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 2004
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2004 | $1,000 | — |
| 2005 | $1,054 | +5.4% |
| 2006 | $1,213 | +15.1% |
| 2007 | $1,275 | +5.1% |
| 2008 | $810 | -36.5% |
| 2009 | $1,026 | +26.6% |
| 2010 | $1,192 | +16.2% |
| 2011 | $1,213 | +1.7% |
| 2012 | $1,405 | +15.8% |
| 2013 | $1,873 | +33.3% |
| 2014 | $2,126 | +13.5% |
| 2015 | $2,146 | +0.9% |
| 2016 | $2,416 | +12.6% |
| 2017 | $2,932 | +21.4% |
| 2018 | $2,776 | -5.3% |
| 2019 | $3,627 | +30.7% |
| 2020 | $4,379 | +20.7% |
| 2021 | $5,503 | +25.7% |
| 2022 | $4,431 | -19.5% |
| 2023 | $5,589 | +26.1% |
| 2024 | $6,918 | +23.8% |
| 2025 | $8,095 | +17.0% |
| 2026 | $9,230 | +14.0% |
Best and worst month-end to buy
The best single month-end close to have bought ITOT was 2009-02 ($12.09): $1,000 then is $13,955 today. The worst was 2026-08 ($169): $1,000 then is $1,000.
FAQ
What would $1,000 in ITOT be worth today?
A $1,000 investment in iShares Core S&P Total U.S. Stock Market ETF (ITOT) at the start of 2004 would be worth about $10,115 today, a total return of +911.5%. Dividends are reinvested in these figures.
What were the best and worst years for ITOT?
iShares Core S&P Total U.S. Stock Market ETF (ITOT)'s strongest calendar year since 2004 was 2013, a +33.3% return — $1,000 held through that year became about $1,333 by year-end. Its weakest year was 2008, at -36.5%.
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 ITOT have grown?
Investing $100 at the end of every month since 2004-01 would have grown to about $140,651 on $27,200 invested.
Did ITOT beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,814. ITOT beat the S&P 500 by +48.4% 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
iShares Core S&P Total U.S. Stock Market ETF (ITOT) historical total-return data from 2004-01 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.