Uploaded September 2026 | Updated September 2026, 3 hours ago
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Investing Myths, Episode 1: "Holding cash is better than investing." Everyone has heard it. Reduce the volatility, keep it safe, park it in a money market fund. But what did 34 years of data actually show? In this video, Dustin Tibbitts reviews historical data from Ycharts covering 1992 through June 2026 to compare a hypothetical $100,000 across cash, inflation, and the market. Within this historical sample, a money market fund returned roughly 2.56% annualized while inflation ran about 2.59%, meaning the money market fund roughly kept pace with inflation but provided limited growth in purchasing power over the period, before considering taxes. During this historical sample, the same hypothetical $100,000 invested in the S&P 500 Total Return Index grew to approximately $3.47 million, representing a 10.95% annualized return, with gold, the Russell 2000, and short-term Treasury funds falling in between.
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.
For informational and educational purposes only. This material is not investment, tax, or legal advice, a recommendation, or a forecast. The analysis is based on historical observations and hypothetical illustrations derived from data provided by YCharts. Historical observations are descriptive of the periods studied only and should not be interpreted as forecasts, probabilities, or predictions of future market performance. Different market, interest-rate, inflation, and economic environments may produce materially different outcomes. Any growth illustrations shown are hypothetical and assume reinvestment of applicable dividends or distributions. Results do not reflect advisory fees, transaction costs, taxes, or other expenses, which would reduce investor returns. References to cash or money market investments are for comparison purposes only. Money market funds are not insured or guaranteed by the FDIC or any government agency, and it is possible to lose money by investing in them. Indices are unmanaged and cannot be invested in directly.
Investment advisory services are offered through Steward Partners Investment Advisory, LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners.
Schedule a call with us today at jazzwealth.com/chatwithjazz
Investing Myths, Episode 1: "Holding cash is better than investing." Everyone has heard it. Reduce the volatility, keep it safe, park it in a money market fund. But what did 34 years of data actually show? In this video, Dustin Tibbitts reviews historical data from Ycharts covering 1992 through June 2026 to compare a hypothetical $100,000 across cash, inflation, and the market. Within this historical sample, a money market fund returned roughly 2.56% annualized while inflation ran about 2.59%, meaning the money market fund roughly kept pace with inflation but provided limited growth in purchasing power over the period, before considering taxes. During this historical sample, the same hypothetical $100,000 invested in the S&P 500 Total Return Index grew to approximately $3.47 million, representing a 10.95% annualized return, with gold, the Russell 2000, and short-term Treasury funds falling in between.
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.
For informational and educational purposes only. This material is not investment, tax, or legal advice, a recommendation, or a forecast. The analysis is based on historical observations and hypothetical illustrations derived from data provided by YCharts. Historical observations are descriptive of the periods studied only and should not be interpreted as forecasts, probabilities, or predictions of future market performance. Different market, interest-rate, inflation, and economic environments may produce materially different outcomes. Any growth illustrations shown are hypothetical and assume reinvestment of applicable dividends or distributions. Results do not reflect advisory fees, transaction costs, taxes, or other expenses, which would reduce investor returns. References to cash or money market investments are for comparison purposes only. Money market funds are not insured or guaranteed by the FDIC or any government agency, and it is possible to lose money by investing in them. Indices are unmanaged and cannot be invested in directly.
Investment advisory services are offered through Steward Partners Investment Advisory, LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners.
