You bought VT onceDividends kept buying more

Choose how many shares you bought and the month you bought them. This historical illustration follows every VT cash distribution and reinvests it into additional fractional shares.

1 share became1.233004 shares

Modeled purchase: September 1, 2016 at $60.90 per share. Valued at $159.89 on September 9, 2026.

Initial investment$60.90
Shares today1.233004+0.233004 from reinvestment
Value with reinvestment$197.14$37.25 more than price alone
Total return223.7%12.4% annualized
Value without reinvestment$159.89
Price return162.5%
Cash dividends reinvested$21.55
Distributions received40
Show how each dividend bought more shares
Pay dateShares beforeDividend/shareCash receivedReinvestment datePriceShares purchasedShares after
2016-09-191$0.3110$0.312016-09-19$59.810.0052001.005200
2016-12-271.0052$0.4570$0.462016-12-27$61.410.0074801.012680
2017-04-041.01268$0.2530$0.262017-04-04$65.200.0039301.016610
2017-07-051.01661$0.4660$0.472017-07-05$67.640.0070041.023614
2017-10-021.023614$0.3540$0.362017-10-02$70.880.0051121.028726
2017-12-221.028726$0.4915$0.512017-12-22$74.100.0068231.035549
2018-03-291.035549$0.2573$0.272018-03-29$73.630.0036191.039168
2018-06-271.039168$0.5511$0.572018-06-27$72.640.0078841.047052
2018-10-011.047052$0.3615$0.382018-10-01$76.070.0049761.052028
2018-12-281.052028$0.4890$0.512018-12-28$65.080.0079051.059933
2019-03-281.059933$0.2810$0.302019-03-28$72.780.0040921.064025
2019-06-201.064025$0.5508$0.592019-06-20$75.400.0077731.071798
2019-09-271.071798$0.4348$0.472019-09-27$74.550.0062511.078049
2019-12-271.078049$0.6109$0.662019-12-27$81.210.0081101.086158
2020-03-261.086158$0.2205$0.242020-03-26$63.900.0037481.089906
2020-06-251.089906$0.3600$0.392020-06-25$74.880.0052401.095146
2020-09-241.095146$0.4025$0.442020-09-24$78.440.0056201.100766
2020-12-241.100766$0.5524$0.612020-12-24$91.590.0066391.107405
2021-03-251.107405$0.2531$0.282021-03-25$95.990.0029201.110325
2021-06-241.110325$0.5049$0.562021-06-24$103.570.0054131.115738
2021-09-231.115738$0.4120$0.462021-09-23$105.280.0043661.120104
2021-12-231.120104$0.7850$0.882021-12-23$106.760.0082361.128340
2022-03-241.12834$0.2572$0.292022-03-24$101.200.0028681.131208
2022-06-241.131208$0.5978$0.682022-06-24$87.710.0077101.138918
2022-09-221.138918$0.4026$0.462022-09-22$82.720.0055431.144461
2022-12-221.144461$0.6381$0.732022-12-22$85.910.0085011.152961
2023-03-231.152961$0.2852$0.332023-03-23$88.680.0037081.156669
2023-06-231.156669$0.6504$0.752023-06-23$94.780.0079371.164606
2023-09-211.164606$0.4055$0.472023-09-21$94.030.0050221.169629
2023-12-211.169629$0.8008$0.942023-12-21$102.070.0091761.178805
2024-03-201.178805$0.4212$0.502024-03-20$110.000.0045141.183319
2024-06-251.183319$0.5779$0.682024-06-25$112.770.0060641.189383
2024-09-241.189383$0.4174$0.502024-09-24$119.080.0041691.193552
2024-12-241.193552$0.8774$1.052024-12-24$119.700.0087491.202301
2025-03-251.202301$0.3852$0.462025-03-25$119.320.0038811.206182
2025-06-241.206182$0.5947$0.722025-06-24$126.490.0056711.211853
2025-09-231.211853$0.4781$0.582025-09-23$137.510.0042131.216066
2025-12-231.216066$1.1152$1.362025-12-23$142.010.0095501.225616
2026-03-241.225616$0.3272$0.402026-03-24$137.900.0029081.228524
2026-06-231.228524$0.5627$0.692026-06-23$154.330.0044791.233004

The same 1-share purchaseGiven more time

All periods are valued onSeptember 9, 2026.

Dane Does Data

Each column starts with the same number of shares on the first VT trading day of that month.

KPIIf you bought 1 share of VT…1 year agoSep 2, 20252 years agoSep 3, 20245 years agoSep 1, 202110 years agoSep 1, 2016
Initial investment$132.81$115.23$107.13$60.90
Shares today1.0174531.0366751.1051021.233004
Shares added by dividends+0.017453+0.036675+0.105102+0.233004
Value with reinvestment$162.68$165.75$176.69$197.14
Additional value from reinvestment+$2.79+$5.86+$16.80+$37.25
Cash dividends reinvested$2.50$4.84$11.58$21.55
Distributions received482040
Price return20.4%38.8%49.2%162.5%
Total return22.5%43.8%64.9%223.7%
Annualized total return22.0%19.8%10.5%12.4%

The point is not that you should have started ten years ago. It is that compounding needs a starting date. You cannot change yesterday’s date, but money invested today has more time than money invested tomorrow: time in the market beats timing the market. Once your emergency fund is set, the simplest way to put that principle into practice is to Always Be Buying—invest consistently instead of waiting for the perfect moment.

The share count compoundsNot just the price

The calculator uses the first VT trading close in the selected month. Each eligible cash distribution equals the shares owned on its ex-dividend date multiplied by the dividend per share. That cash buys fractional shares at the closing price on the payable date, or the next available trading date.

Educational illustration. Results use historical daily closing prices and assume full dividend reinvestment, fractional shares, and no taxes, fees, bid/ask spread, or tracking differences. A broker’s actual reinvestment price may differ. Past performance does not guarantee future results. VT’s official inception date is June 24, 2008. Review the Vanguard fund profile.