Wall Street RegretsThe regret calculator.

What if you'd held SPYM?

A $1,000 investment in State Street SPDR Portfolio S&P 500 ETF (SPYM) at the month-end close of 2005-11 would be worth $9,081 at the close of 2026-08 — +808.1% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,169.

$1,000 since 2005$9,081Total return+808.1%Multiple9.1×CAGR+11.2%

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$9,081Gain+$8,081 (+808.1%)Multiple9.1×CAGR+11.2%

    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.

    2005$9,0812006$9,0812007$7,9282008$7,4952009$11,8822010$9,3442011$8,0622012$7,9212013$6,8802014$5,1682015$4,5452016$4,4932017$4,0192018$3,3132019$3,4802020$2,6362021$2,2252022$1,7272023$2,1092024$1,6702025$1,3362026$1,135

    Every year, $1,000 from 2005

    YearValue of $1,000Year return
    2005$1,000
    2006$1,145+14.5%
    2007$1,212+5.8%
    2008$764-36.9%
    2009$972+27.2%
    2010$1,126+15.9%
    2011$1,146+1.8%
    2012$1,320+15.1%
    2013$1,757+33.1%
    2014$1,998+13.7%
    2015$2,021+1.2%
    2016$2,260+11.8%
    2017$2,741+21.3%
    2018$2,610-4.8%
    2019$3,445+32.0%
    2020$4,082+18.5%
    2021$5,258+28.8%
    2022$4,306-18.1%
    2023$5,436+26.3%
    2024$6,795+25.0%
    2025$8,004+17.8%
    2026$9,081+13.5%

    Best and worst month-end to buy

    The best single month-end close to have bought SPYM was 2009-02 ($6.32): $1,000 then is $14,326 today. The worst was 2026-08 ($90.54): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in State Street SPDR Portfolio S&P 500 ETF (SPYM) at the start of 2005 would be worth about $9,081 today, a total return of +808.1%. Dividends are reinvested in these figures.

    What were the best and worst years for SPYM?

    State Street SPDR Portfolio S&P 500 ETF (SPYM)'s strongest calendar year since 2005 was 2013, a +33.1% return — $1,000 held through that year became about $1,331 by year-end. Its weakest year was 2008, at -36.9%.

    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 SPYM have grown?

    Investing $100 at the end of every month since 2005-11 would have grown to about $123,991 on $25,000 invested.

    Did SPYM beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $6,169. SPYM beat the S&P 500 by +47.2% 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

    State Street SPDR Portfolio S&P 500 ETF (SPYM) historical total-return data from 2005-11 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.

    Full methodology →

    What if you'd held…

    Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.