What if you invested in Total Market (VTI) in 2005?
VTI · Index · Data through 2026-06-01
If you invested $1,000 in Total Market (VTI) in 2005
The same $1,000 in the S&P 500 would be worth $9,342(+834.2%)
The S&P 500 returned $9,342 on the same $1,000. Total Market (VTI) beat the market by $85.
Try a different start date
Pick any month and year to see what Total Market (VTI) would be worth.
Compare Total Market (VTI) to another stock
See how Total Market (VTI) stacks up since 2005, head to head.
What if Total Market (VTI) keeps this up?
Project forward at Total Market (VTI)'s 11% historical growth rate. See 5-30 year scenarios.
Growth of $1,000
Total Market (VTI) vs. S&P 500 vs. US Dollar, 2005 to present
Year-by-Year Returns
$1,000 invested in Total Market (VTI) starting January 2005
| Year | Price | Value | Annual |
|---|---|---|---|
| 2005 | $39.14 | $1,000 | - |
| 2006 | $44.05 | $1,125 | +12.5% |
| 2007 | $50.29 | $1,285 | +14.2% |
| 2008 | $48.81 | $1,247 | -2.9% |
| 2009 | $30.14 | $770 | -38.2% |
| 2010 | $40.75 | $1,041 | +35.2% |
| 2011 | $50.64 | $1,294 | +24.3% |
| 2012 | $52.64 | $1,345 | +4% |
| 2013 | $61.51 | $1,571 | +16.8% |
| 2014 | $75.39 | $1,926 | +22.6% |
| 2015 | $85.23 | $2,178 | +13.1% |
| 2016 | $82.91 | $2,118 | -2.7% |
| 2017 | $101.06 | $2,582 | +21.9% |
| 2018 | $126.55 | $3,233 | +25.2% |
| 2019 | $123.70 | $3,160 | -2.3% |
| 2020 | $148.83 | $3,803 | +20.3% |
| 2021 | $179.70 | $4,591 | +20.7% |
| 2022 | $212.88 | $5,439 | +18.5% |
| 2023 | $195.00 | $4,982 | -8.4% |
| 2024 | $232.44 | $5,939 | +19.2% |
| 2025 | $293.23 | $7,492 | +26.2% |
| 2026 | $338.53 | $8,649 | +15.4% |
What this return means
A $1,000 stake in Total Market (VTI) from 2005 has grown to $9,427. That is a +842.7% gain, a little over 9.4x your money, measured to 2026-06-01.
That is about 11% a year compounded, broadly in line with long-run stock market averages. Because this is a broad S&P 500 fund, it is the benchmark here rather than something measured against it.
The path was not smooth. The best single year was 2010 at +35.2%, and the worst was 2009 at -38.2%. At its lowest point the position was down about 40% from an earlier high. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
This is historical math, not financial advice. Past performance does not guarantee future results.
What if you invested $100 a month instead?
Most people do not drop a lump sum in on day one. They add a fixed amount every month. Putting $100 into Total Market (VTI) at the close of every month from January 2005 through June 2026 means 258 buys and $25,800 contributed over about 21.5 years.
$100/month, dollar-cost averaged
$125,272
+385.5% on $25,800 in
Same $25,800, all in at the start
$243,221
+842.7% on $25,800 in
Going all in at the start beat spreading the buys out by $117,950. That is the usual result when a stock trends up: each monthly buy pays a higher price than the last, so the average cost climbs. Averaging in also meant an average buy price of $75.99 per share across the whole stretch, so the monthly buyer never had to time a single low. Neither number counts dividends, taxes, or trading costs.
Illustrative fixed $100/month example, not a recommendation. Figures are computed from VTI split-adjusted monthly closes through June 2026. Past performance does not guarantee future results.
Total Market (VTI) at different times
See how the start year changes the outcome
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Numbers worth sharing
Occasional data drops when something interesting surfaces. No schedule, just signal.
For informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. All calculations are based on split-adjusted closing prices from Yahoo Finance and do not account for dividends, taxes, or trading fees. See our methodology and full disclaimer.