That depends. If you invested in stock or mutual funds that pay dividends, you will have taxable dividends. If your invested in a CD or bond, you may have taxable interest. If you bought and sold stocks, bonds, or mutual funds you might have taxable capital gains. If all three 1099s relate to the same $15,000 investment, chances are that one or more of the 1099s has nothing to report, or very small amounts.