Wall Street RegretsThe regret calculator.

What if you'd held VHT?

A $1,000 investment in Vanguard Health Care ETF (VHT) at the month-end close of 2004-01 would be worth $8,948 at the close of 2026-08 — +794.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,814.

$1,000 since 2004$8,948Total return+794.8%Multiple8.9×CAGR+10.2%

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$8,948Gain+$7,948 (+794.8%)Multiple8.9×CAGR+10.2%

    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.

    2004$8,9482005$8,8832006$8,2082007$7,7052008$7,1422009$9,3182010$7,6482011$7,2432012$6,5422013$5,4972014$3,8532015$3,1012016$2,8952017$2,9912018$2,4272019$2,2982020$1,8862021$1,5942022$1,3222023$1,4012024$1,3662025$1,3312026$1,153

    Every year, $1,000 from 2004

    YearValue of $1,000Year return
    2004$1,000
    2005$1,082+8.2%
    2006$1,153+6.5%
    2007$1,244+7.9%
    2008$953-23.3%
    2009$1,161+21.8%
    2010$1,226+5.6%
    2011$1,358+10.7%
    2012$1,616+19.0%
    2013$2,306+42.7%
    2014$2,864+24.2%
    2015$3,068+7.1%
    2016$2,970-3.2%
    2017$3,661+23.3%
    2018$3,865+5.6%
    2019$4,710+21.9%
    2020$5,572+18.3%
    2021$6,718+20.6%
    2022$6,341-5.6%
    2023$6,501+2.5%
    2024$6,674+2.7%
    2025$7,706+15.5%
    2026$8,883+15.3%

    Best and worst month-end to buy

    The best single month-end close to have bought VHT was 2009-02 ($30.66): $1,000 then is $10,746 today. The worst was 2026-08 ($329): $1,000 then is $1,000.

    FAQ

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

    A $1,000 investment in Vanguard Health Care ETF (VHT) at the start of 2004 would be worth about $8,948 today, a total return of +794.8%. Dividends are reinvested in these figures.

    What were the best and worst years for VHT?

    Vanguard Health Care ETF (VHT)'s strongest calendar year since 2004 was 2013, a +42.7% return — $1,000 held through that year became about $1,427 by year-end. Its weakest year was 2008, at -23.3%.

    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 VHT have grown?

    Investing $100 at the end of every month since 2004-01 would have grown to about $121,007 on $27,200 invested.

    Did VHT beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $6,814. VHT beat the S&P 500 by +31.3% 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

    Vanguard Health Care ETF (VHT) historical total-return data from 2004-01 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.