What if you'd held SCHF?
A $1,000 investment in Schwab International Equity ETF (SCHF) at the month-end close of 2009-11 would be worth $3,453 at the close of 2026-08 — +245.3% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $7,035.
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 2009
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2009 | $1,000 | — |
| 2010 | $1,093 | +9.3% |
| 2011 | $955 | -12.6% |
| 2012 | $1,135 | +18.9% |
| 2013 | $1,351 | +19.0% |
| 2014 | $1,274 | -5.6% |
| 2015 | $1,243 | -2.5% |
| 2016 | $1,281 | +3.0% |
| 2017 | $1,613 | +26.0% |
| 2018 | $1,383 | -14.2% |
| 2019 | $1,690 | +22.2% |
| 2020 | $1,851 | +9.5% |
| 2021 | $2,062 | +11.4% |
| 2022 | $1,757 | -14.8% |
| 2023 | $2,080 | +18.4% |
| 2024 | $2,148 | +3.3% |
| 2025 | $2,890 | +34.6% |
| 2026 | $3,411 | +18.0% |
Best and worst month-end to buy
The best single month-end close to have bought SCHF was 2010-06 ($7.15): $1,000 then is $3,945 today. The worst was 2026-08 ($28.21): $1,000 then is $1,000.
FAQ
What would $1,000 in SCHF be worth today?
A $1,000 investment in Schwab International Equity ETF (SCHF) at the start of 2009 would be worth about $3,453 today, a total return of +245.3%. Dividends are reinvested in these figures.
What were the best and worst years for SCHF?
Schwab International Equity ETF (SCHF)'s strongest calendar year since 2009 was 2025, a +34.6% return — $1,000 held through that year became about $1,346 by year-end. Its weakest year was 2022, at -14.8%.
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 SCHF have grown?
Investing $100 at the end of every month since 2009-11 would have grown to about $47,010 on $20,200 invested.
Did SCHF beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $7,035. SCHF trailed the S&P 500 by +50.9% 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
Schwab International Equity ETF (SCHF) historical total-return data from 2009-11 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.