NCLH vs VTI: which was the better investment?
Norwegian Cruise Line Holdings Ltd. against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Jan 18, 2013 to Jul 15, 2026.
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Frequently asked questions
Did NCLH beat VTI?
No — measured from Jan 18, 2013 to Jul 15, 2026 with dividends reinvested, VTI came out ahead: $61,177 versus $8,157 from a $10,000 start. That gap compounds from a 14.4% annual return against -1.5%.
What would $10,000 in NCLH be worth today?
$10,000 invested in Norwegian Cruise Line Holdings Ltd. (NCLH) on Jan 18, 2013 would be worth about $8,157 as of Jul 15, 2026, a total return of -18.4% (-1.5% per year). The same $10,000 in VTI would be worth $61,177.
Which was riskier — NCLH or VTI?
NCLH swung with an annualized volatility of 55.6% and a worst peak-to-trough drop of -87.8%; VTI ran at 17.2% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.06 for NCLH vs 0.72 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 18, 2013 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with NCLH vs VTI. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.