S&P 500
+$118K
+59% · 12.3%/yr · Zero effort
Bitcoin
+$85K
+43% · 9.3%/yr · Extreme volatility
High-Yield Savings
+$37K
+18% · 4.3%/yr · Zero risk
Clove (Cash Only)
+$20K
+10% · 2.5%/yr · Equity upside
Total Return on $200K · 2022 — February 2026
Including Equity Value
| Scenario | Equity | + Cash | Total Return | vs S&P 500 |
|---|
| Cash Only | — | $19,889 | +$20K (+10%) | –$98K |
| 1× Revenue | $318K | $20K | +$138K (+69%) | +$20K |
| 2× Revenue | $636K | $20K | +$456K (+228%) | +$338K |
| 3× Revenue | $954K | $20K | +$774K (+387%) | +$656K |
The passive play. The S&P 500 turned $200K into $318K with zero effort — the clear winner on pure cash returns.