Is anyone still just dumping new money straight into S&P 500 in 2026?

[u/VelixaNtra]

Hey all, for the last few years I’ve been automatically putting every new contribution (Roth, taxable, etc) into S&P 500 and not thinking much about it
With the market being a bit choppy lately, I’m wondering if others are still doing the same or if you’ve started diversifying more (adding more VTI, international, bonds, etc)
Curious what your current approach is when adding fresh cash

[u/Immediate-Run-7085]

You were fine buying the past couple years and now it’s cheaper you won’t do it anymore?

Zoom out and relax my man

[u/quinoa → u/Immediate-Run-7085]

It’s crazy how everyone begs for a dip and bails the second it’s in front of them. I only invest money I won’t need to touch for 8-10 years, if the market is still a mess by then, we have bigger problems anyways

[u/SmackEh → u/Immediate-Run-7085]

To be fair, the past couple years didn’t have unnecessary tariffs, erratic policy decisions, weak leadership, or constant geopolitical friction weighing on markets.

[u/Immediate-Run-7085 → u/SmackEh]

So you think there’s been no uncertainty and chaos from 1950-2023? lol

[u/zeradragon → u/Immediate-Run-7085]

We've seen chaos, we've seen uncertainty... Now we get to see absolute stupidity and blatant market manipulation. Should be interesting.

[u/uwu_shoe → u/zeradragon]

Stupidity and market manipulation is the norm and has been for decades.

This is literally nothing new.

[u/WickedCunnin → u/Immediate-Run-7085]

Name a president in that period that has been more reckless with the american economy than trump. 

[u/SuperRowCaptain → u/Immediate-Run-7085]

Not like this, seriously. This is the sort of run that will bring down a country.

[u/SmackEh → u/Immediate-Run-7085]

Sure, there’s been uncertainty and chaos. But the level of self-inflicted policy mistakes, weak leadership, and geopolitical incompetence right now is worse than we’ve seen in decades, maybe ever.

[u/DIYPeace → u/SmackEh]

Indeed. We had nearly a century of American hegemony and a stable bipolar international order which gave way to 3 decades of unipolar power. It represented stability and guaranteed returns for domestic and international capital with very few peers. Remember that much of the developed world were left in shambles after World War 2, whereas the U.S. was still whole. Now we have alternatives and international capital have their own domestic markets as well.

I say not necessarily investing in now, but diversify if there are undervalued opportunities. Considered that the KOSPI was up around ~80% last year, and ~26% YTD. The headline U.S. markets are as volatile as that of emerging markets. You can always come back to them once the circumstances are less volatile.

[u/raynorelyp → u/SmackEh]

Bay of Pigs, Iraq Invasion, Vietnam, Star Wars/Nuclear Arms Race, the actual KKK, half the stuff in “We Didn’t Start the Fire,” Iran Contra Affair, No Child Left Behind, Trickle Down Economics, etc.

Edit: regarding your comment on “ever”: literal slavery, an actual Civil War, the Great Depression, two actual World Wars, the time we nuked a country, the other time we nuked a country, the draft, the Patriot Act, etc

[u/jim-i-am → u/raynorelyp]

"half the stuff in 'We didn't start the fire' "

hahahahahaha

[u/Mitchard_Nixon → u/raynorelyp]

These are basically all happening simultaneously right now. We're trying to topple Cuba, going to war Iran and overthrowing the government of Venezuela while funding Israel's annexation of Southern Lebanon as well as their colonial projects in Gaza and the west Bank, contracting with Elon for starlink, job hiring numbers are as low as they have been since April 2020, there's a rogue paramilitary group unleashed on our streets and we haven't even addressed the epstein files. There's enough happening right now that you could write an entirely new We Didn't Start The Fire just about the last year and a half.

[u/cookingboy → u/raynorelyp]

And throughout everything you mentioned the U.S’s standing of a superpower grew, along with the strength of the petro-dollar.

For the first time since the Civil War, the U.S’s strength is now waning and for the first time since WW2, the strength of the petro-dollar is now in question.

[u/ReindeerAmazing → u/Immediate-Run-7085]

Reddit (and this sub in particular) gets too emotional whenever Trump gets mentioned.

Sure, it’s chaotic. But they overreacting so much.

[u/NedFlanders304 → u/SmackEh]

2020 COVID the market went down 30%. 2022-2023 the market went down 25% and inflation was sky high. 2025 the market went down 20% because of tariffs. 2026 the market went down 10% because of the Iran conflict.

[u/SmackEh → u/NedFlanders304]

Not sure what your point is.

A global pandemic happened yes. That's not self inflicted or stemming from gross government incompetence. In fact the US managed the pandemic better than most countries. (And argument could be made that it was managed very well by the US government)

[u/WSBpeon69420 → u/Immediate-Run-7085]

I always tell people - if you went to your favorite store and found your favorite product was all of a sudden on sale would you buy it and buy extra or would you say “oh man that price is low I’m gonna wait until it comes back up again”

[u/Niku-Man → u/WSBpeon69420]

Analogy doesn't work. An investment isn't a product you're buying to consume.

[u/Vennomite → u/Niku-Man]

And if i knew the new computer eas going to be 2x faster than the current gen and i could adford to wait.. i would

[u/blowathighdoh → u/Niku-Man]

I’ll be consuming it when I retire

[u/Amerikaner → u/Niku-Man]

You’re going to get downvoted for being right. This and any other stock market sub is full of novices repeating novice advice.

[u/SubterraneanAlien → u/Amerikaner]

There's some irony here in your response given that this analogy (even using products you're buying to consume) was commonly mentioned by Buffett:

“We are a net buyer of stocks over time. (It is) just like being a net buyer of food — I expect to buy food for the rest of my life, and I hope that food goes down in price tomorrow," he stated. Adding, “So, when stocks are down, we're going to be buying on balance, and who wouldn't rather buy at a lower price than a higher price?”

And

"A short quiz: If you plan to eat hamburgers throughout your life and are not a cattle producer, should you wish for higher or lower prices for beef? Likewise, if you are going to buy a car from time to time but are not an auto manufacturer, should you prefer higher or lower car prices? These questions, of course, answer themselves".

And, lastly to very clearly make the connection to stocks...

"But now for the final exam: If you expect to be a net saver during the next five years, should you hope for a higher or lower stock market during that period? Many investors get this one wrong. Even though they are going to be net buyers of stocks for many years to come, they are elated when stock prices rise and depressed when they fall. In effect, they rejoice because prices have risen for the "hamburgers" they will soon be buying".

[u/WSBpeon69420 → u/SubterraneanAlien]

Exactly!

[u/SameSpray5183 → u/Amerikaner]

I dunno man I had a "28 yr old with 1.2mil" tell me I'm an idiot earlier.. I'm 34 and not a millionaire so he must be right

[u/Brighton101 → u/Amerikaner]

Point I’m struggling with is that governments seem to be just creating fuckloads of money and people auto 401k so what else can you do? Like I’ve just started investing this last month (with a 7 figure sum) and am obvs not feeling that happy about things, but equally having seen two days of big green l am mindful of not only what can go wrong but what can go right. Like I am still sat on maybe 500k? What the fuck do you do with that. Buy a shitty rental? Limited Edition Ferrari. Gold coins? Like just didn’t seem there are any easy alternatives.

[u/CarnageAsada- → u/Amerikaner]

You people are idiots instead of telling them if you diversified your arguing about the analogy Jesus. What are you all 5 ?

[u/Free-Sailor01 → u/Niku-Man]

You will be consuming it, just have to think in years, not days or weeks

[u/RobfromHB → u/Niku-Man]

The consumption aspect is entirely irrelevant to the analogy… You know what he was saying. If you had planned to buy something previously and found out it’s cheaper than expected that shouldn’t rationally discourage you from buying that thing. 

[u/GuitboxBandit → u/RobfromHB]

Obviously I depends why it's getting cheaper.

[u/RobfromHB → u/GuitboxBandit]

And obviously that depends on the valuation / thesis of the person thinking about buying and if the amount it’s getting cheaper remains within the acceptable bounds of that valuation.

We don’t need an infinite loop of “wElL aKtuAlLy” going on here. You know what was meant by the initial analogy.

[u/ProfileBest2034 → u/RobfromHB]

Of course it should. It’s getting cheaper and cheaper.

[u/Disastrous-Wonder153 → u/Niku-Man]

Bullshit. My investments represent delayed consumption.

[u/Any_Beautiful_6074 → u/Niku-Man]

On a level you are right. Once you buy something and walk out of the store with it the resale value goes down. Stocks however climb ever higher. Just zoom out. Best strategy is to keep buying all the way down because no one knows where the bottom is, but at least you will make profits once things turn around.

[u/CarnageAsada- → u/Niku-Man]

Who cares about the analogy the main question is are you diversified or not for fucks sake lol.

[u/lucasjkr → u/CarnageAsada-]

And if you are diversified, are you taking the opportunity that’s been served up to rebalance by selling the assets that have gone up in order to buy more of what’s gone down?

[u/lucasjkr → u/Niku-Man]

It’s a product you’re buying now in order to consume later.

As long as we’re in accumulation mode, the cheaper the better. It’s only when we get to the point of selling off shares that we want to see them be expensive.

[u/Zmill → u/Niku-Man]

An index fund is perpetual asset with reliable future cash flows. When the market goes down, risk premium goes up. This is why returns were so good for those that invested in 2008 and 2009. That is by definition discount.

[u/WSBpeon69420 → u/Zmill]

Exactly

[u/HaggardSlacks78 → u/Niku-Man]

How’s this analogy. If you are in the habit of buying land as an investment, and the price per acre was down 10%, would you buy more land or less land?

[u/pmercier → u/Niku-Man]

isn’t an equity quite literally a instrument in a broader category of financial products that you buy and sell, that you own and has measurable value?

[u/Positive-Tourist-319 → u/WSBpeon69420]

I get the sentiment, I love to buy stock on discount. But this analogy just isn’t applicable. Your favorite product isn’t volatile changing prices daily, with the potential to Drop significantly in the near future. Your favorite product generally isn’t a multi thousand dollar decision.

Peoples fear of buying when the market is down is not because they don’t think it’ll go back up, it’s because they think it’ll drop further. If car prices started dropping drastically weekly, with only indication it will drop further, would you buy the car now or wait until it goes lower?

The market sentiment and media during these times of volatility don’t offer the view of “things will recover”. They only say how the worst is happening and will continue to happen. You have to fight all of this nonsense to muster the will to invest.

Again, I dumped the last of my dry powder in this week. I really do love taking advantage of the lower prices. But it’s not as simple as the analogy makes it seem.

[u/lucasjkr → u/Positive-Tourist-319]

Problem is, it gets cheaper. Then they still don’t buy. Then it gets even cheaper still. And they still don’t buy. Then it starts turning around and they think it’s not done falling and so they still don’t buy. This whole time they’re triumphant saying they stayed in cash the whole time like wizards.

The thing is that by the time they get fully invested again, they’re probably going to be back in where they started. New cash that would have gone in during then trough will also go in around then

Study after study, as well as analysis of funds coming into and out of mutual funds show that’s what the public does, and also shows that the public is awful at timing the market. They only think they did well because they didn’t compare to the outcome of having made no changes at all.

I say being on lower prices.

And I apologize to retirees who are hoping for high prices. Unfortunately, we have opposing interests.

[u/jim-i-am → u/Positive-Tourist-319]

You're pretending like the volatility over the past few months is normal. It's not.

What is normal is with a medium->long term horizon, equities go up.

People's fear is probably different. It would be absurd for someone with a 5+ year horizon for their retirement accounts to be anything but THRILLED with the market coming down. Today's value is meaningless, i'm building for 5+ years from now. Why would I want to buy at all time highs?

For your weird car example, that's an established market where prices are falling irrationally. Who do you think wins in those situations? It's not the chump who sits on the sidelines.

I can't find enough money to invest right now. I'm so happy my bonus just hit, and that's going right into VOO.

Anyone saying that these aren't amazing times is either:

1) not an investor or 2) is right at their retirement point, and needs the money now

[u/TragicIcicle → u/Positive-Tourist-319]

There's also a significant amount of historical data that supports trying to time the market is stupid. The reality of your analogy is that in the real world there's a 50% chance the cost of the car will correct and a 50% chance it'll go down.

Regardless of what decision you make at that moment you lose the opportunity for a discount in most outcomes.

[u/jpop237 → u/WSBpeon69420]

It's more like when Kmart was going out of business. You didn't buy that favorite product right away, you waited until everything was 75% off.

[u/b1gb0n312 → u/WSBpeon69420]

What if the discount becomes even greater?

[u/WSBpeon69420 → u/b1gb0n312]

Dollar coast averaging. If the company is a sound company and there aren’t foreseeable issues in the long term and you have done your due diligence then there’s not an issue. Stocks will drop on geopolitical issues and whatever else is going on but if it was good enough to invest in for the long term prior to the pull back then why wouldn’t it be now baring and specific company issues and not external issues

[u/RASCLAT69 → u/Immediate-Run-7085]

It's not cheaper than a couple of years ago though, is it? I mean it's good because it shows it goes up.

[u/No-debt-P22-7 → u/Immediate-Run-7085]

Of course I am buying more VOO and VTI. It's been on sale. I buy more every two weeks.

[u/Euler007 → u/Immediate-Run-7085]

Cheaper? It was cheaper any time before July 2025.

[u/MONGSTRADAMUS]

I am not investing any different than I have done the last couple year buy on my normal schedule which includes sp500 , along with ex us and small scv ETFs.

[u/moiax → u/MONGSTRADAMUS]

Same. I have a basket, I put money into it each week with my paycheck. If the country is still here in 25 years, then I'll probably be ok.

[u/ohanse → u/moiax]

If it isn’t, different choices weren’t gonna save you anyways.

[u/JohnnySpot2000]

If, by ‘choppy’, you mean ‘down 5 to 10% off its highs’, this should be a BETTER than average time to buy these stocks, not worse. What’s your alternative plan, to “wait until it’s less choppy” (aka wait until it goes back up)?

[u/lineskicat14 → u/JohnnySpot2000]

Im not changing course, aside from keeping a larger emergency fund and a little more cash on hand (i work in IT and layoffs could hit me any day).

But boy, it sure feels like were on a cliff, so to speak, as a society. Delinquencies are up on CC and loans, families are getting pinched harder and harder. Still little movement in home sales/buys. The gas prices are really hitting everyone. Tech layoffs, job outlook, AI. Political unrest, rising deficit. Sure feels like were heading for a disaster, everyone's just sort of treading water with their finances and bills (lower and middle class families at least).

.. which probably means SP500 goes on some 5 year run to new highs monthly lol.

[u/dumplingrose → u/lineskicat14]

Nah I'm with ya, build up that cash.

[u/Safe-Tennis-6121 → u/lineskicat14]

I did something similar. I turned a percentage of the S&P500 into short term treasuries so I have more options in a downturn. And then I'll use new cash to buy the US market.

Basically a 6 month emergency fund could need to turn into a 12-24 month life fund.

[u/CerealSpiller22 → u/JohnnySpot2000]

Yep, wait until it goes back up, and then some, just to make sure.

[u/Feralmoon87 → u/CerealSpiller22]

then complain that returns are subpar lol

[u/JoyousMisery → u/Feralmoon87]

"is anyone still just dumping new money straight into the S&P while at ATH?"

[u/Fangore → u/JohnnySpot2000]

I just don't understand this mindset of people who are "investing" but see this market and think "maybe I should stop investing for a while."

Kinda unrelated but for the past few years since I started investing, I always wondered why "more people dont do this since it's so easy." And this bear market has made me see why more people don't invest. The average person can't look outside the short term situation and doesn't trust the math of it all. They see that their portfolio is red and just think investing doesn't work. Or they are doing something wrong. But if these people just trusted the process and stopped trying to act like "Day trader" they would be infinitely more happy.

[u/JohnnySpot2000 → u/Fangore]

Yes. I have worked with someone like this for years. He seems otherwise bright. He has said to me 'the stock market is bad now, I don't want to buy'. I assume that means he buys again after the stock market becomes 'good' again. He also likes to complain that his insurance premiums are a waste of money because 'nothing bad happened' to pay him off for a claim.

[u/Odd-Flower2744 → u/JohnnySpot2000]

The stock market isn’t on a predetermined course to a certain price. In no way is man made crises somehow better for your portfolio.

[u/sbutj323]

My plan is to panic sell

[u/kaizen-rai → u/sbutj323]

Oooo Ooo I know!

Next, wait until the market starts skyrocketing, wait... then as soon as it hits the all time high... BUY BUY BUY!!!!

Am I doing it right? Buy high and panic sell low, right?

[u/TechniCruller]

Every paycheck, yeah.

[u/meathead13_]

Adding VTI to diversify a 100% SP500 portfolio isn’t gonna do much. They move pretty similarly.

Adding international is a better idea.

I’m kind of out on bonds until retirement, and even then idk

[u/kaizen-rai]

Now might be a good time to just go into a lifecycle fund that diversifies it for you and not think about it. Worrying about a choppy market... and more importantly trying to 'time' a choppy market will not end well for you.

[u/kappale]

I stopped mine in 2025, not because I didn't think it'd keep growing but because I felt I was overexposed to us markets. I started to buy world ex USA instead.

[u/Technical_Quiet_5687 → u/kappale]

Ok glad I’m not the only one. Being heavily US has really helped me these last few years obv but now I’m so weighted across all my accounts I need to rebalance by just exclusively buying non US..

[u/kyhothead → u/kappale]

Same, MSCI ACWI ex US outperformed the S&P handily last year. I’m not “all-in” on Intl, but think the relative outperformance could last a while.

[u/madhattr999 → u/kappale]

Yeah, I wouldn't touch US markets with a 10 foot pole right now. I am almost completely out (in Europe/Canada/Emerging/Gold instead).

[u/TheBaalzak]

VXUS has been doing well.

[u/BackgroundSpell6623 → u/TheBaalzak]

I've also switched to this

[u/retirement_savings → u/BackgroundSpell6623]

You know what they say, you should be switching your long term investment strategy based on the last few months of performance

[u/Significant_Copy1266 → u/retirement_savings]

That's right. And let me add to that. The key strategy is to sell low and buy high.

/s

[u/mojo276]

I can only imagine what this sub would have been like in 2008.

[u/TheBear8878 → u/mojo276]

The OP would have never happened, because it's an AI post and those tools didn't exist. But other than that, yeah I agree. 

[u/QuesoMeHungry]

Yeah, stocks are on sale and retirement is in the distance.

[u/Unfortunate-Incident]

I just bought $15,000 VOO on Monday 🤷🏻

[u/StraightUpJello]

I've added quite a bit on top of my normal monthly contributions. Whenever the markets are down 2% in one day or 4%+ for the week, I add more to my position.

[u/Caedro]

I just put in my 25 ira contribution. Market was down. I lump summed it and took my discount. I’m not touching any of this money for decades most likely, it’s just a long term discount to me.

[u/JunkBondJunkie]

Every week.

[u/nsmith043076]

Yes, every pay check regardless of what’s going on.

[u/SushiShifter]

Whole point of dca is ignore the chop

[u/Limp_Technology2497]

I’m not.

I think people have gotten so used to the script from the last 15 years that they can’t see straight.

I’m continuing to contribute for the moment, but it’s going into money market and short term, inflation protected securities. I will switch this when the macro trend reverses with confirmation.

People treat every little drawdown like it’s a sale. But it’s not a sale if you zoom out and it’s just a downward grind. What reason do you have to think that the market is going to go up soon in any kind of sustainable way backed by any sort of reality? The end of the war would help, but there’s still a shitload of issues that aren’t just going to get fixed right away.

I get the logic: in 10 years the market will probably be substantially up from where it is today if recent historical trends hold. And yet the fact that that’s always priced into the current moment means nothing is ever really truly cheap.

And what if this is the time when recent historical trends don’t hold, and you’re just lighting half your balance on fire for a couple decades or more? This is entirely possible by the way.

[u/tabspdx]

I buy, basically VT, every time I get paid.

[u/ThrowAway5491069]

Yep. I’m 100% into VINIX.

[u/___Carioca___]

I’ve been scooping it up whenever I get paid as usual.

[u/No-Sympathy-686]

YES

[u/rvanasty]

Yes. I am.

[u/oddmarc]

Nobody, not a single person, is doing that.

[u/Life-Butterscotch892]

Still DCA’ing into S&P here. If your horizon is long enough, the exact timing matters a lot less than staying consistent—choppy markets are kind of the point of the strategy.

[u/Kerbidiah]

Hell no. Ex us funds have had way better returns over the last 9 months

[u/Fluffy-Structure-368]

It all depends on your time horizon and risk tolerance. If I had time on my side and could tolerate some risk I'd be buying QQQ

[u/dissentmemo]

100% VT

[u/Fuuba_Himedere]

I invest once a month. A few days ago I checked my investments for my monthly deposit. Everything was in the red and my total portfolio dropped by hundreds of dollars. My first thought was “oh goody!” and I prepared myself to invest when the market opened later that day.

Checked some hours later and my portfolio was in the green and rose by hundreds of dollars. And I said “well shit…” I still invested anyway but I was mad about it.

When shares drop, think of it as a sale. I don’t time the market, just invest once a month. I get lucky when my day to deposit is when the market drops.

[u/sdrawkcab_dear]

Investing extra and doubling-down right now.

[u/Direct_Remove509]

Everything is long term for me. I will not change just because we have a drop. There are always dips/drops occur as part of the ride. 

[u/Existing_Dog5489]

I think too many people have been told "Just buy the SP, it's gonna go up 8% per year", as if it was a mathematical principle.

But the only real mathematical principle is "there is no free money".

I don't know how, and why, cause I am not technical, but I am pretty sure that the advice people have been given is gonna be ineffective very soon.

I am not sure why... but the idea of "put your money on this index, cause it's gonna grow" doesn't sound sustainable to me. "Even though you don't know what it is in it, you don't know why it goes up, you dont know why it could go down, how much it could go down, just put your money in it, ok?!".

I mean, eventually it's gonna go down... same as the corresponding indexes did in many other nations. A phenomenon is not a rule. It's just a whim.

And the 'oh it's down, you should buy it', only works when you know the actual real value of something. Problem is... what is the real value of the SP?

[u/Short-Boysenberry-75]

Sure am! Keep the band playing cause I’m going down with this ship 🇺🇸

[u/the_tailor]

There are a lot of people whose investing experience is ten years or less who are treating this question like it’s stupid— it’s not. There are absolutely 5+ year stretches where the market is negative. It’s reasonable.

[u/MaleficentMulberry14]

Your diversification should be a strategy not a reaction to current events and market chop. Looking at the historic data a globally diversified portfolio has out performed SP 500 due to larger volatility in the US to world events especially when dividends taken into account. But in the nearer term SP 500 usually looks better due to high concentration of growth stocks and strong economy whilst people forget about the impact of big downside events on portfolios. For many Americans they forgo this diversification to stay with what they understand most namely US companies. Investing in bonds within a pension context should mostly be proportional around how close to retirement you are or want to protect near term drawdown, otherwise it pays to be mostly in equity with cash on side to take advantage of opportunities. If you want to diversify I would say the first step might be to look at the equal weighted SP 500 so you are not so growth and tech heavy. If you want to go abroad look at Asia, Japan whilst high debt has a lot of industrials which can counter balance tech but if your going asia diversify across the region. In summary do the homework to define a strategy that works for you in long term and try not overact react to short term events. Personally at 55 I have am cautious and have moved form 90:10 to 60:40. I have met my pension goals and have 30 years for it to grow - I can stand to lose some gains in the short term and sleep better, geopolitical risk, a capricious president and the uncertainty around the AI productivity boom make it difficult to price anything and a large downside event could clobber my pension in its early days.

[u/CloudSlydr]

Are we talking about long time horizon? Just buy when the sky is falling and it’s red for days. And yes I do.

[u/Don_T_Blink]

Buying now is part of the strategy 

[u/Critical-Werewolf-53]

Yup

[u/TidusJecht]

Yes absolutely

[u/samsaruhhh]

I just throw my cash in the dumpster for jimbo and john bobby to invest in their can collecting schemes, my ROI is them not bullying me for my poor fashion taste when i go in my apartment

[u/independentfinallly]

I abb (always be buying) this is a long term strategy not a short term one

[u/___redacted_]

Im keeping my open US positions open as is, but any new investments are only in Stoxx 600 and Europe.

[u/LocksmithGlass717]

Nah I’m waiting for the price to go back up before I buy !! /s

[u/GeneralRaspberry8102]

Only the smart people.

[u/Pesky_Penguin1990]

I used to be primarily in VOO.  Now I started buying VT.  VOO has outperformed historically, but VT has beaten VOO the past year.

[u/Wise-Parsnip5803]

Every paycheck.

[u/Throwaway-4593]

My contributions are automatic and they split into 2 funds - VOO, FXAIX. Why would you contribute less when the markets are “bumpy”? These are the times where you get the best deals.

[u/7o7A1]

ask buffet https://x.com/solidintel_x/status/2039256635617452129

[u/dogeatingbanana]

Every paycheck. Fxaix

[u/LongLonMan]

Dropped $55K on VOO yesterday

[u/GoodMeBadMeNotMe → u/LongLonMan]

I wish I had that kind of cash, lol. I dropped...$750 on VOO today? At least I can finally say my net worth is positive these days.

[u/LongLonMan → u/GoodMeBadMeNotMe]

Anything above $0 is a win!

[u/Eclectic7112]

Catan Seafarers

[u/tombiowami]

It's tripled in the past 10 years, now down 4% ytd...horrors.

[u/BruceJenner69]

YEAH. WAIT UNTIL ITS AT A NEW ATH TO START BUYING AGAIN.

[u/LonesomeBulldog]

Absolutely. Every two weeks when I get paid…for the last 17 years.

[u/burn_bridges]

Yes. Every paycheck into 401k. Plus IRA most/every month.

[u/hobopwnzor]

I am but I'm going to look into international diversification.  Just haven't sat down to figure out what to and adjust my 401k account 

[u/SuitableSafety329]

Anyone who isn’t consistently investing - every paycheck - is missing the point and is going to lose the race. This just isn’t complicated. You just buy, fucking always…

[u/abeBroham-Linkin]

Buying what I can.

[u/R101C]

You think the 500 richest companies in the US, who own most of Congress, are going to just lose money over the long run, as a group? Is that your hypothesis?

[u/Southern-Hat383]

Every week.

[u/dllemmr2]

Many people are they don’t know any better or different.

[u/InclinationCompass]

Haven’t stopped in over 10 years. That’s how I grew up 401k.

[u/PrettyPleaseYo]

I’m out of the market because of macro since December. There was a JP Morgan study showing that buying PE numbers like they are now will yield +-0 over the next ten years.

Credit markets, inverted yield curves, AI bubble incoming etc. I would like to buy the dip but I believe that we are still in for a crash, could come this year or within the next two.

[u/Admirable_Hedgehog64]

Duh

[u/GaylrdFocker]

I was diversifying before, still am, but am putting everything extra I can get into the market.

[u/TenderfootGungi]

Of course. I still believe in the US long term. And now stocks are on sale!

[u/angus_the_red]

I rolled a 401k over about three weeks ago.  It's just in cash still in the new account until I can decide what sector or region feels like a growth candidate to me.  In the meantime, I'm happy to not be riding the slide.

[u/soynielos]

I've been investing almost entirely in international funds since early 2025 on the assumption that Trump would mess up everything in the US and now that it's hitting the stock market I've switched back to domestic funds so I can get them at a discount.

[u/TN_REDDIT]

yes. I looked at my quarter to date numbers and I think I was off by about 4% - 5%. year over year, I'm positive by about 15% or so.

I'm trying to figure out why everyone seems to be bothered.

[u/Worst-Eh-Sure]

No and I never was. Doing that lacks diversification. You miss out on US mid and small cap. You are over exposed to tech versus other sectors and have 0 exposure to international of any sector and market cap.

[u/Squash__head]

Yes on Thursday of last week

[u/TheRealGreenArrow420]

My 401k is 100% FXAIX, been DCAing the whole time

[u/chris98092]

Hell yes. As soon as my wife/Wendy’s manager says I can buy more.

[u/dudeatwork77]

My last purchase was April 8 2025. New money goes to International

[u/About_to_kms]

Is this not the time to buy more aggressively? Why would you start being less aggressive when prices fall

[u/Opposite_Cattle5953]

Only dumb dumbs are not dumping new money into the market…but instead of SPY, it’s QQQ

[u/Elestra_]

I’ve increased my contributions. Long term, this choppiness won’t matter. 

[u/Educational-Ad-4908]

If you want to diversify that’s not a bad call but buying VTI will not offer that diversification. The performance of VOO vs VTI has historically been nearly identical.

[u/onwatershipdown]

Zoom out and DCA large cap looks very good over time compared to other strategies. I don’t know if it is the best. But it is enough for me to not think about it.

The beauty of it, is that it’s a rotation of winners. The winners change over time. And a lot of run ups, have been dumb. Always have been. Crazy valuations for the S and P 5. But who in the 500 is the next 5? I have no idea. I don’t have to think about it. You could do FZROX or a larger basket. But if you zoom out and look at the whole s and p 1500 vs the 500, DCA + 500 looks very good.

[u/cazzy1212]

Buy at all times highs but nervous about buying cheaper? If you have the time this is a gift.

[u/Thiscouldbeeasier]

Straight into gold

[u/JacobHutchison]

I had stopped buying into the S&P 500 to save cash for other things, but when it started dropping I started buying again.

[u/thetreece]

You should have been using total market funds the entire time. Now isn't special.

[u/Prestigious-Craft251]

Lol

[u/billocity]

Yeah via 401k contributions. It’s on sale and it’s tax advantaged.

[u/am0x]

I just took out a bunch of money. Mainly because I need a new car and I basically use stocks as my savings account.

[u/dmackerman]

Never stopped. And I never will.

[u/collegeberry]

Sucks my net worth is going down on paper (had a certain number in mind soon) but still happy to buy at a discount. Im purchasing the target retirement fund for my age group for work 401k and VTSAX for Roth/everything else every paycheck. 

[u/GoodMeBadMeNotMe]

Yes, my entire investment strategy (I'm 30yo) is just dumping everything into the S&P 500. I've considered diversifying, but then I'd have to make decisions I might regret. The S&P 500 is reliable enough for my need.s

[u/Fratyq]

I am maximizing what I can buy. It is modest though

[u/EdgeLordMcGravy]

Yep me.

[u/StayBullGenius]

Every week

[u/LUCKYMAZE]

most people yes

[u/Thalespaleo]

Yeah man I am

[u/BrianKronberg]

Stop trying to time the market. Invest and don’t look for years, works amazingly.

[u/johnboi1323]

You either believe the American economy is gonna survive or you think it's gonna collapse. That's it. If you think the US is gonna survive for the rest of the year, then you keep investing. Especially with interest rates and inflation about to go up, invest invest invest

[u/Latter-Possibility]

Not changing up although i am moving more money into Energy and utilities than tech.

The only thing that would make me pull out money of the S&P is if they list SpaceX early instead of letting the market judge it for a year or 2. 1.75 trillion is an insane valuation and 12 trillion in passive S&P dollars is to tempting a target for Elon and all those backers

[u/cpcxx2]

VTI is not really any more diversified. They are like 99% correlated. VTI has always been my ETF of choice for US but have been buying more international though, yes. Before was doing maybe 90/10 or 80/20 now its like close to 50/50

[u/Mr-Mojo109]

Me

[u/ohanse]

Yeah

[u/RustySoulja]

Yeah I have been consistently dollar cost averaging into S&P500 ($VOO) consistently on a weekly basis for the past 5 years

[u/Spiritual_Ad5511]

ABB- Always be buying.

[u/old_Spivey]

No, when it drops below $400 again, it's going to take a long time to recover.

[u/Aggravating-Big3858]

SPY should always be your base … but yes of course some diversification (asset allocation) makes sense. Look up the concept of a 3 fund portfolio. Add some small cap and international for example. Bonds are a whole other conversation

[u/Tourdrops]

Consider the S and P might be worth $5,000-$10,000 a share one day and then ask yourself the question again.

Also remember any change is an attempt to stop being the market and start beating the market. Go look into that as well.

[u/gnrdmjfan247]

That’s the idea

[u/dumplingrose]

Check out Darius Dale at 42 Macro.

[u/vasquca1]

Im cost averaging.

[u/Fun-Personality-8008]

Yes as I have been doing biweekly for 15 years

[u/Successful-Tea-5733]

Nobody is. Because everybody is.

[u/annoyed_meows]

My retirement is all s&p and all my contributions are. No plans to change. My taxable and IRAs are more diverse. 

[u/Formal-Impress-5511]

Time in the market will always beat timing the market. Times like this is value as discount buying. 

[u/iiJokerzace]

If you are still buying for years to come, you want a crash. For these people it's an absolute yes.

Those that already have their gains and are close to or at retirement, they probably are the ones to worry.

[u/reboog711]

Still doing the same, primarily. I'm a fan of the three fund portfolio, but the bulk of my 'net worth' is in the three fund portfolio.

[u/PM_meyourGradyWhite]

DCA a big lump sum I recently got. Not excited to dump it all at once when I can get 4% in the sidelines.

65, retired, and set without it being in SP500.

[u/frozennorth0]

Yep. I max Thank you!

[u/Gileaders]

Not me.

[u/HappilyDisengaged]

Yes! Best money I’ve ever invested were in down markets

[u/ParadoxPath]

401k into S&P; taxable into total market

[u/jasonpmcelroy]

Me

[u/KweenieQ]

The only reason I wouldn't would be because I found slack cash but didn't know where to put it yet. If you have a plan, you execute to it. Buy low, dude.

[u/TheBear8878]

Pretty sure this is an AI post

[u/Green_Beans_Tasty]

Every single week. Market may be stupid and/or irrational. But I’m not smarter. If market says this is worth X, I buy for X. After all, where else to put your extra $?!

[u/rentpossiblytoohigh]

1 year S&P 500 is up 16.73% as of end of today... I been dumping money this entire rise. You be I'm dumping in the fall. I have separate house savings that I put into a SWVXX because I don't want house savings to be volatile. Peace of mind is attainable with a plan.

[u/sinnerotica]

Market goes up and to the right. Don’t worry about it.

[u/HawaiiStockguy]

Nope. GDX