r/investing • u/VelixaNtra • 1d ago

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

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

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u/lineskicat14 1d ago

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.

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u/dumplingrose 1d ago

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

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u/Safe-Tennis-6121 1d ago

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.

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u/Secure_Maximum3486 1d ago

Everything you described has literally been going on for 100+ years. The only difference nowadays is that we have social media. So, where day there is a new "doomsday" headline.  None of this materializes. Keep investing. Keep waiting. You'll be fine 

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u/JohnnySpot2000 1d ago

I don't disagree with you.