2015 was the Hardest year in US to make Money in 78 years

 It's been a really, really tough year for returns.

According to data from Societe Generale, the best-performing asset class of 2015 has been stocks, whose meager 2 percent total return (that is, including dividends) still surpasses those of long-term bonds, short-term Treasury bills and commodities.

These minimal gains make 2015 the worst year for finding returns since 1937, when the cash-like 3-month Treasury bill beat out other major asset classes with a return of 0.3 percent.

Larry McDonald, head of US macro strategy at Societe Generale, said the all-encompassing lag in performance is one reason why major money managers have done so badly this year. 2015 has been particularly troublesome for hedge funds, the average of which is down about 4 percent this year according to Hedge Fund Research.

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