What if you'd held SCHP?
A $1,000 investment in Schwab U.S. TIPS ETF (SCHP) at the month-end close of 2010-08 would be worth $1,518 at the close of 2026-08 — +51.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $7,346.
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 2010
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2010 | $1,000 | — |
| 2011 | $1,134 | +13.4% |
| 2012 | $1,206 | +6.3% |
| 2013 | $1,099 | -8.9% |
| 2014 | $1,144 | +4.1% |
| 2015 | $1,124 | -1.8% |
| 2016 | $1,176 | +4.6% |
| 2017 | $1,211 | +3.0% |
| 2018 | $1,194 | -1.4% |
| 2019 | $1,296 | +8.5% |
| 2020 | $1,424 | +9.9% |
| 2021 | $1,508 | +5.9% |
| 2022 | $1,327 | -12.0% |
| 2023 | $1,378 | +3.9% |
| 2024 | $1,406 | +2.0% |
| 2025 | $1,501 | +6.8% |
| 2026 | $1,520 | +1.2% |
Best and worst month-end to buy
The best single month-end close to have bought SCHP was 2010-12 ($17.15): $1,000 then is $1,520 today. The worst was 2026-05 ($26.19): $1,000 then is $995.
FAQ
What would $1,000 in SCHP be worth today?
A $1,000 investment in Schwab U.S. TIPS ETF (SCHP) at the start of 2010 would be worth about $1,518 today, a total return of +51.8%. Dividends are reinvested in these figures.
What were the best and worst years for SCHP?
Schwab U.S. TIPS ETF (SCHP)'s strongest calendar year since 2010 was 2011, a +13.4% return — $1,000 held through that year became about $1,134 by year-end. Its weakest year was 2022, at -12.0%.
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 SCHP have grown?
Investing $100 at the end of every month since 2010-08 would have grown to about $23,381 on $19,300 invested.
Did SCHP beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $7,346. SCHP trailed the S&P 500 by +79.3% 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 U.S. TIPS ETF (SCHP) historical total-return data from 2010-08 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.