Wall Street RegretsThe regret calculator.

What if you'd held UTSL?

A $1,000 investment in Direxion Daily Utilities Bull 3X ETF (UTSL) at the month-end close of 2017-05 would be worth $1,805 at the close of 2026-08 — +80.5% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $3,196.

$1,000 since 2017$1,805Total return+80.5%Multiple1.8×CAGR+6.6%

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$1,805Gain+$805 (+80.5%)Multiple1.8×CAGR+6.6%

    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.

    2017$1,8052018$1,8082019$1,8502020$1,0222021$1,6642022$1,1232023$1,3062024$2,0272025$1,3142026$1,019

    Every year, $1,000 from 2017

    YearValue of $1,000Year return
    2017$1,000
    2018$977-2.3%
    2019$1,770+81.1%
    2020$1,087-38.6%
    2021$1,610+48.2%
    2022$1,384-14.0%
    2023$892-35.5%
    2024$1,376+54.2%
    2025$1,775+29.0%
    2026$1,808+1.9%

    Best and worst month-end to buy

    The best single month-end close to have bought UTSL was 2023-09 ($16.86): $1,000 then is $2,428 today. The worst was 2026-02 ($54.59): $1,000 then is $750.

    FAQ

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

    A $1,000 investment in Direxion Daily Utilities Bull 3X ETF (UTSL) at the start of 2017 would be worth about $1,805 today, a total return of +80.5%. Dividends are reinvested in these figures.

    What were the best and worst years for UTSL?

    Direxion Daily Utilities Bull 3X ETF (UTSL)'s strongest calendar year since 2017 was 2019, a +81.1% return — $1,000 held through that year became about $1,811 by year-end. Its weakest year was 2020, at -38.6%.

    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 UTSL have grown?

    Investing $100 at the end of every month since 2017-05 would have grown to about $16,718 on $11,200 invested.

    Did UTSL beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $3,196. UTSL trailed the S&P 500 by +43.5% 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

    Direxion Daily Utilities Bull 3X ETF (UTSL) historical total-return data from 2017-05 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.