What if you'd held CIA?
A $1,000 investment in Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) at the month-end close of 1980-12 would be worth $892 at the close of 2026-08 — -10.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $56,777.
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 1980
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1980 | $1,000 | — |
| 1981 | $677 | -32.3% |
| 1982 | $429 | -36.7% |
| 1983 | $320 | -25.3% |
| 1984 | $339 | +5.8% |
| 1985 | $376 | +10.9% |
| 1986 | $606 | +61.3% |
| 1987 | $2,143 | +253.6% |
| 1988 | $624 | -70.9% |
| 1989 | $839 | +34.3% |
| 1990 | $606 | -27.7% |
| 1991 | $786 | +29.7% |
| 1992 | $714 | -9.1% |
| 1993 | $1,214 | +70.0% |
| 1994 | $1,177 | -3.0% |
| 1995 | $1,313 | +11.5% |
| 1996 | $1,214 | -7.5% |
| 1997 | $929 | -23.5% |
| 1998 | $804 | -13.4% |
| 1999 | $1,060 | +31.8% |
| 2000 | $1,145 | +8.0% |
| 2001 | $2,069 | +80.7% |
| 2002 | $1,410 | -31.8% |
| 2003 | $1,899 | +34.6% |
| 2004 | $1,371 | -27.8% |
| 2005 | $1,256 | -8.4% |
| 2006 | $1,521 | +21.1% |
| 2007 | $1,274 | -16.2% |
| 2008 | $2,235 | +75.4% |
| 2009 | $1,505 | -32.7% |
| 2010 | $1,717 | +14.1% |
| 2011 | $2,233 | +30.1% |
| 2012 | $2,546 | +14.0% |
| 2013 | $2,016 | -20.8% |
| 2014 | $1,751 | -13.1% |
| 2015 | $1,712 | -2.2% |
| 2016 | $2,263 | +32.2% |
| 2017 | $1,694 | -25.2% |
| 2018 | $1,733 | +2.3% |
| 2019 | $1,555 | -10.2% |
| 2020 | $1,320 | -15.1% |
| 2021 | $1,224 | -7.3% |
| 2022 | $491 | -59.9% |
| 2023 | $620 | +26.3% |
| 2024 | $924 | +49.1% |
| 2025 | $1,113 | +20.4% |
| 2026 | $892 | -19.9% |
Best and worst month-end to buy
The best single month-end close to have bought CIA was 1983-08 ($1.39): $1,000 then is $2,784 today. The worst was 1988-11 ($30.38): $1,000 then is $127.
FAQ
What would $1,000 in CIA be worth today?
A $1,000 investment in Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) at the start of 1980 would be worth about $892 today, a total return of -10.8%. Dividends are reinvested in these figures.
What were the best and worst years for CIA?
Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA)'s strongest calendar year since 1980 was 1987, a +253.6% return — $1,000 held through that year became about $3,536 by year-end. Its weakest year was 1988, at -70.9%.
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 CIA have grown?
Investing $100 at the end of every month since 1980-12 would have grown to about $52,313 on $54,900 invested.
Did CIA beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $56,777. CIA trailed the S&P 500 by +98.4% 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
Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) historical total-return data from 1980-12 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.