Wall Street RegretsThe regret calculator.

What if you'd held IYC?

A $1,000 investment in iShares U.S. Consumer Discretionary ETF (IYC) at the month-end close of 2000-06 would be worth $8,483 at the close of 2026-08 — +748.3% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,299.

$1,000 since 2000$8,483Total return+748.3%Multiple8.5×CAGR+8.5%

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$8,483Gain+$7,483 (+748.3%)Multiple8.5×CAGR+8.5%

    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$8,4832001$9,0072002$9,0072003$11,9612004$9,0152005$8,1432006$8,3332007$7,3252008$7,9372009$11,4332010$8,6172011$6,9942012$6,5522013$5,3062014$3,7612015$3,2862016$3,0972017$2,9332018$2,4472019$2,4052020$1,8882021$1,5162022$1,2672023$1,8572024$1,3852025$1,0862026$1,007

    Every year, $1,000 from 2000

    YearValue of $1,000Year return
    2000$1,000
    2001$1,0000.0%
    2002$753-24.7%
    2003$999+32.7%
    2004$1,106+10.7%
    2005$1,081-2.3%
    2006$1,230+13.8%
    2007$1,135-7.7%
    2008$788-30.6%
    2009$1,045+32.7%
    2010$1,288+23.2%
    2011$1,375+6.8%
    2012$1,697+23.5%
    2013$2,395+41.1%
    2014$2,741+14.5%
    2015$2,908+6.1%
    2016$3,070+5.6%
    2017$3,681+19.9%
    2018$3,745+1.7%
    2019$4,770+27.4%
    2020$5,943+24.6%
    2021$7,110+19.7%
    2022$4,850-31.8%
    2023$6,502+34.0%
    2024$8,293+27.6%
    2025$8,943+7.8%
    2026$9,007+0.7%

    Best and worst month-end to buy

    The best single month-end close to have bought IYC was 2009-02 ($7.73): $1,000 then is $13,400 today. The worst was 2025-09 ($104): $1,000 then is $992.

    FAQ

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

    A $1,000 investment in iShares U.S. Consumer Discretionary ETF (IYC) at the start of 2000 would be worth about $8,483 today, a total return of +748.3%. Dividends are reinvested in these figures.

    What were the best and worst years for IYC?

    iShares U.S. Consumer Discretionary ETF (IYC)'s strongest calendar year since 2000 was 2013, a +41.1% return — $1,000 held through that year became about $1,411 by year-end. Its weakest year was 2022, at -31.8%.

    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 IYC have grown?

    Investing $100 at the end of every month since 2000-06 would have grown to about $166,013 on $31,500 invested.

    Did IYC beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $5,299. IYC beat the S&P 500 by +60.1% 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. Consumer Discretionary ETF (IYC) historical total-return data from 2000-06 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.