What if you'd held ZROZ?
A $1,000 investment in PIMCO 25 Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund (ZROZ) at the month-end close of 2009-11 would be worth $1,299 at the close of 2026-08 — +29.9% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $7,035.
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 2009
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2009 | $1,000 | — |
| 2010 | $1,099 | +9.9% |
| 2011 | $1,763 | +60.4% |
| 2012 | $1,780 | +1.0% |
| 2013 | $1,408 | -20.9% |
| 2014 | $2,080 | +47.7% |
| 2015 | $1,952 | -6.1% |
| 2016 | $1,982 | +1.5% |
| 2017 | $2,275 | +14.8% |
| 2018 | $2,170 | -4.6% |
| 2019 | $2,631 | +21.2% |
| 2020 | $3,277 | +24.6% |
| 2021 | $3,106 | -5.2% |
| 2022 | $1,824 | -41.3% |
| 2023 | $1,845 | +1.2% |
| 2024 | $1,547 | -16.2% |
| 2025 | $1,518 | -1.8% |
| 2026 | $1,437 | -5.4% |
Best and worst month-end to buy
The best single month-end close to have bought ZROZ was 2010-03 ($39.88): $1,000 then is $1,486 today. The worst was 2020-07 ($151): $1,000 then is $392.
FAQ
What would $1,000 in ZROZ be worth today?
A $1,000 investment in PIMCO 25 Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund (ZROZ) at the start of 2009 would be worth about $1,299 today, a total return of +29.9%. Dividends are reinvested in these figures.
What were the best and worst years for ZROZ?
PIMCO 25 Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund (ZROZ)'s strongest calendar year since 2009 was 2011, a +60.4% return — $1,000 held through that year became about $1,604 by year-end. Its weakest year was 2022, at -41.3%.
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 ZROZ have grown?
Investing $100 at the end of every month since 2009-11 would have grown to about $15,922 on $20,200 invested.
Did ZROZ beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $7,035. ZROZ trailed the S&P 500 by +81.5% 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
PIMCO 25 Year Zero Coupon U.S. Treasury Index Exchange-Traded Fund (ZROZ) historical total-return data from 2009-11 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.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.