What if you'd held XHB?
A $1,000 investment in State Street SPDR S&P Homebuilders ETF (XHB) at the month-end close of 2006-02 would be worth $2,943 at the close of 2026-08 — +194.3% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $6,019.
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 2006
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2006 | $1,000 | — |
| 2007 | $523 | -47.7% |
| 2008 | $331 | -36.7% |
| 2009 | $423 | +27.6% |
| 2010 | $496 | +17.4% |
| 2011 | $493 | -0.7% |
| 2012 | $775 | +57.3% |
| 2013 | $974 | +25.6% |
| 2014 | $1,003 | +3.1% |
| 2015 | $1,010 | +0.6% |
| 2016 | $1,007 | -0.3% |
| 2017 | $1,327 | +31.8% |
| 2018 | $985 | -25.7% |
| 2019 | $1,393 | +41.3% |
| 2020 | $1,782 | +28.0% |
| 2021 | $2,668 | +49.7% |
| 2022 | $1,896 | -28.9% |
| 2023 | $3,035 | +60.1% |
| 2024 | $3,335 | +9.9% |
| 2025 | $3,312 | -0.7% |
| 2026 | $3,497 | +5.6% |
Best and worst month-end to buy
The best single month-end close to have bought XHB was 2009-02 ($7.96): $1,000 then is $13,597 today. The worst was 2024-09 ($123): $1,000 then is $881.
FAQ
What would $1,000 in XHB be worth today?
A $1,000 investment in State Street SPDR S&P Homebuilders ETF (XHB) at the start of 2006 would be worth about $2,943 today, a total return of +194.3%. Dividends are reinvested in these figures.
What were the best and worst years for XHB?
State Street SPDR S&P Homebuilders ETF (XHB)'s strongest calendar year since 2006 was 2023, a +60.1% return — $1,000 held through that year became about $1,601 by year-end. Its weakest year was 2007, at -47.7%.
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 XHB have grown?
Investing $100 at the end of every month since 2006-02 would have grown to about $95,358 on $24,700 invested.
Did XHB beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $6,019. XHB trailed the S&P 500 by +51.1% 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 S&P Homebuilders ETF (XHB) historical total-return data from 2006-02 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.