Wall Street RegretsThe regret calculator.

What if you'd held QDEF?

A $1,000 investment in Northern Trust Quality Dividend Defensive ETF (QDEF) at the month-end close of 2012-12 would be worth $5,374 at the close of 2026-08 — +437.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $5,405.

$1,000 since 2012$5,374Total return+437.4%Multiple5.4×CAGR+13.1%

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$5,374Gain+$4,374 (+437.4%)Multiple5.4×CAGR+13.1%

    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$5,3742013$5,3742014$4,0262015$3,5292016$3,5522017$3,0772018$2,6292019$2,7422020$2,1952021$2,1282022$1,6882023$1,8952024$1,6132025$1,3312026$1,134

    Every year, $1,000 from 2012

    YearValue of $1,000Year return
    2012$1,000
    2013$1,335+33.5%
    2014$1,523+14.1%
    2015$1,513-0.7%
    2016$1,747+15.5%
    2017$2,044+17.0%
    2018$1,960-4.1%
    2019$2,448+24.9%
    2020$2,526+3.2%
    2021$3,183+26.0%
    2022$2,835-10.9%
    2023$3,331+17.5%
    2024$4,036+21.2%
    2025$4,740+17.4%
    2026$5,374+13.4%

    Best and worst month-end to buy

    The best single month-end close to have bought QDEF was 2012-12 ($16.97): $1,000 then is $5,374 today. The worst was 2026-08 ($91.19): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in Northern Trust Quality Dividend Defensive ETF (QDEF) at the start of 2012 would be worth about $5,374 today, a total return of +437.4%. Dividends are reinvested in these figures.

    What were the best and worst years for QDEF?

    Northern Trust Quality Dividend Defensive ETF (QDEF)'s strongest calendar year since 2012 was 2013, a +33.5% return — $1,000 held through that year became about $1,335 by year-end. Its weakest year was 2022, at -10.9%.

    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 QDEF have grown?

    Investing $100 at the end of every month since 2012-12 would have grown to about $41,626 on $16,500 invested.

    Did QDEF beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $5,405. QDEF trailed the S&P 500 by +0.6% 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

    Northern Trust Quality Dividend Defensive ETF (QDEF) historical total-return data from 2012-12 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.