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Better to put 5k in VOO rather than back account with little interest. It makes sense. According to Grok:
VOO (Vanguard S&P 500 ETF) tracks the S&P 500 index. January 1, 2024, was a holiday (New Year's Day), so the investment would have been made at the opening/closing price on the next trading day, January 2, 2024.
From historical data and cross-referenced sources, the adjusted closing price for VOO around early January 2024 was approximately $436–$440 (accounting for dividend adjustments; the unadjusted close on Jan 2, 2024, was around $459–$462 before later splits/dividend adjustments, but we use adjusted for accurate total return).
As of January 10, 2026 (using the most recent available data from January 9 close and current quotes around January 10), VOO is trading at approximately $638–$639 (with closes reported around $634–$638 in early January 2026, and real-time quotes hitting highs near $639).
This represents a significant increase over the ~2-year period, driven by strong S&P 500 performance in 2024 (~25% total return) and continued gains into 2025–2026.
Calculation (Approximate Total Return Basis)
Starting price (adjusted, early Jan 2024): ~$438 (common reference point from historical records).
Current price (as of ~Jan 10, 2026): ~$638.
Price appreciation: ($638 / $438) ≈ 1.456 × (or ~45.6% growth in share price alone).
This does not include dividends. VOO pays quarterly dividends (yield typically 1–1.5% annually), and assuming reinvestment (standard for total return), the effective growth is higher.
Reported total returns for VOO: ~25% in 2024 alone, plus additional gains in 2025 (S&P 500 up ~16%+ in parts of references), leading to cumulative total return from Jan 2024 to Jan 2026 in the 55–65% range (including dividends).
For a $5,000 investment:
Number of shares purchased (early 2024): ≈ $5,000 / $438 ≈ 11.42 shares.
Value today (at ~$638/share, price-only): ≈ 11.42 × $638 ≈ $7,286.
With dividends reinvested (total return): Likely $7,800–$8,200 or more, based on the strong multi-year performance.
Your $5,000 investment would now be worth approximately $7,900–$8,200 (including reinvested dividends), representing roughly 58–64% total growth over the two years.
Note: This is an estimate based on publicly available historical and current price data. Exact value depends on the precise purchase date/price, whether dividends were reinvested, any fees/taxes, and the exact current price (markets fluctuate daily). For the most precise calculation, check a brokerage statement or use Yahoo Finance historical data with a total return calculator. Past performance doesn't guarantee future results!