What if you invested in US Dollar (Cash) in 2015?
USD · Benchmark · Data through 2026-07-01
If you invested $1,000 in US Dollar (Cash) in 2015
The same $1,000 in the S&P 500 would be worth $4,521(+352.1%)
The S&P 500 returned $4,521 on the same $1,000. S&P 500 outperformed by $3,813.
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What if US Dollar (Cash) keeps this up?
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Growth of $1,000
US Dollar (Cash) vs. S&P 500 vs. US Dollar, 2015 to present
Year-by-Year Returns
$1,000 invested in US Dollar (Cash) starting January 2015
| Year | Price | Value | Annual |
|---|---|---|---|
| 2015 | $1.00 | $1,000 | - |
| 2016 | $0.987 | $987 | -1.3% |
| 2017 | $0.966 | $966 | -2.1% |
| 2018 | $0.943 | $943 | -2.4% |
| 2019 | $0.926 | $926 | -1.8% |
| 2020 | $0.915 | $915 | -1.2% |
| 2021 | $0.872 | $872 | -4.7% |
| 2022 | $0.802 | $802 | -8% |
| 2023 | $0.769 | $769 | -4.1% |
| 2024 | $0.747 | $747 | -2.9% |
| 2025 | $0.726 | $726 | -2.8% |
| 2026 | $0.708 | $708 | -2.5% |
What this return means
A $1,000 bet on US Dollar (Cash) (USD) at the start of 2015 did not work out. That stake is worth $708 as of 2026-07-01, a -29.2% move that left you with less than you started with after 11.6 years.
That averages out to -2.9% a year, meaning the position shrank in compound terms across the 11.6-year window. Because this is a broad S&P 500 fund, it is the benchmark here rather than something measured against it.
The year-by-year record shows how bumpy the ride was. The best single year was 2020 at -1.2%, and the worst was 2022 at -8.0%. At its lowest point the position was down about 29% from an earlier high. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
Treat this as history rather than advice. Past performance does not guarantee future results.
What if you invested $100 a month instead?
Most people do not drop a lump sum in on day one. They add a fixed amount every month. Putting $100 into US Dollar (Cash) at the close of every month from January 2015 through July 2026 means 139 buys and $13,900 contributed over about 11.6 years.
$100/month, dollar-cost averaged
$11,485
-17.4% on $13,900 in
Same $13,900, all in at the start
$10,002
-28.0% on $13,900 in
Spreading the buys out beat going all in at the start by $1,483. That happens when the price spent time below where it began, so averaging in caught the cheaper months. Averaging in also meant an average buy price of $0.61 per share across the whole stretch, so the monthly buyer never had to time a single low. Neither number counts dividends, taxes, or trading costs.
Illustrative fixed $100/month example, not a recommendation. Figures are computed from USD split-adjusted monthly closes through July 2026. Past performance does not guarantee future results.
US Dollar (Cash) at different times
See how the start year changes the outcome
Numbers worth sharing
Occasional data drops when something interesting surfaces. No schedule, just signal.
For informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. All calculations are based on split-adjusted closing prices from Yahoo Finance and do not account for dividends, taxes, or trading fees. See our methodology and full disclaimer.