Herzfeld Credit Income Fund (HERZ) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Herzfeld Credit Income Fund (HERZ) ten years ago, at the end of Oct 2016, was worth $8,413 at the end of Oct 2026 with every dividend reinvested: -1.7% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $6,509 reinvested (-2.3% a year), or $7,860 taking the dividends as cash, $6,086 of it paid out along the way.
HERZ became
$6,509
S&P 500: $72,756
Return a year
-2.3%
S&P 500: 11.1%
Payouts reinvested
$10,454
bought more shares
Worst drop
-64.7%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | HERZ total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | −33.3% | $527 | +11.7% |
| 2025 | +32.6% | $2,822 | +17.7% |
| 2024 | +2.9% | $1,383 | +24.9% |
| 2023 | −13.4% | $1,090 | +26.2% |
| 2022 | −22.2% | $1,476 | −18.2% |
| 2021 | +27.0% | $1,279 | +28.7% |
| 2020 | −6.4% | $1,090 | +18.3% |
| 2019 | +45.8% | $658 | +31.2% |
| 2018 | −31.1% | $40 | −4.6% |
| 2017 | +6.3% | $6 | +21.7% |
| 2016 | +1.5% | $10 | +12.0% |
| 2015 | −25.6% | $8 | +1.2% |
| 2014 | +10.4% | $8 | +13.5% |
| 2013 | +5.4% | $7 | +32.3% |
| 2012 | +19.0% | $8 | +16.0% |
| 2011 | −10.4% | $10 | +1.9% |
| 2010 | +11.6% | $12 | +15.1% |
| 2009 | +53.0% | $9 | +26.4% |
| 2008 | −47.8% | $11 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: HERZ total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Herzfeld Credit Income Fund (HERZ) at the end of Dec 2007, with dividends reinvested, was worth $6,509 at the end of Oct 2026: -2.3% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, HERZ turned $10,000 into $8,413 with dividends reinvested, -1.7% a year.
- Over the 5 years to Oct 2026, HERZ returned -9.3% a year with dividends reinvested (S&P 500: 12.0%).
- Taking HERZ's dividends as cash instead of reinvesting them, the same $10,000 ended at $7,860, including $6,086 of cash received; reinvesting added $0.
- HERZ's best calendar year in that time was 2009 (53.0%) and its worst 2008 (-47.8%), with dividends reinvested.
Cite this page
SmarterDividends, "Herzfeld Credit Income Fund (HERZ) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/HERZ/total-return
HERZ total return questions
If I invested $10,000 in HERZ 10 years ago, how much would I have?
About $8,413 at the end of Oct 2026, with every dividend reinvested: -1.7% a year. Taking them as cash, you'd have shares worth $2,293 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is HERZ's total return since Dec 2007?
-35% in total, or -2.3% a year, through Oct 2026 with dividends reinvested. The share price alone fell 82%.
What was HERZ's worst year?
2008, at -47.8% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -64.7%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.