Wall Street RegretsThe regret calculator.

What if you'd held TPLC?

A $1,000 investment in Timothy Plan US Large/Mid Cap Core ETF (TPLC) at the month-end close of 2019-05 would be worth $2,326 at the close of 2026-08 — +132.6% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $2,801.

$1,000 since 2019$2,326Total return+132.6%Multiple2.3×CAGR+12.3%

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$2,326Gain+$1,326 (+132.6%)Multiple2.3×CAGR+12.3%

    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.

    2019$2,3262020$2,0022021$1,7482022$1,3832023$1,5822024$1,3742025$1,2152026$1,134

    Every year, $1,000 from 2019

    YearValue of $1,000Year return
    2019$1,000
    2020$1,146+14.6%
    2021$1,448+26.4%
    2022$1,265-12.6%
    2023$1,457+15.2%
    2024$1,648+13.1%
    2025$1,765+7.1%
    2026$2,002+13.4%

    Best and worst month-end to buy

    The best single month-end close to have bought TPLC was 2020-03 ($19.56): $1,000 then is $2,622 today. The worst was 2026-08 ($51.29): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in Timothy Plan US Large/Mid Cap Core ETF (TPLC) at the start of 2019 would be worth about $2,326 today, a total return of +132.6%. Dividends are reinvested in these figures.

    What were the best and worst years for TPLC?

    Timothy Plan US Large/Mid Cap Core ETF (TPLC)'s strongest calendar year since 2019 was 2021, a +26.4% return — $1,000 held through that year became about $1,264 by year-end. Its weakest year was 2022, at -12.6%.

    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 TPLC have grown?

    Investing $100 at the end of every month since 2019-05 would have grown to about $13,510 on $8,800 invested.

    Did TPLC beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $2,801. TPLC trailed the S&P 500 by +16.9% 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

    Timothy Plan US Large/Mid Cap Core ETF (TPLC) historical total-return data from 2019-05 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.