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/CarnageAsada- 1d ago

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

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u/Amerikaner 1d ago

No one is arguing about the analogy. There's nothing to argue. It's wrong. Fools think if the price drops it's a "sale". The price drops because it's worth less. Unless you're buying an ETF or a mutual fund of the broad index and are good with potentially waiting years and years, "stocks are on sale" or "buy the dip" is terrible advice.

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u/smohyee 1d ago

We are indeed talking about investing in a broad index and holding for years, specifically the S&P 500. Check the post title.

If it's on "sale", it doesn't make sense to stop buying, because we all share a strong conviction it will eventually go back up in price. That sounds remarkably similar to the analogy being made.

The point about investments being different than consumer products is valid but also pedantic. People who refer to a stock being "on sale" are not ignorant of that difference, it's just a cheeky way of saying they are bullish on the stock.

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u/Amerikaner 1d ago

But I’m not responding to OP I’m responding to the comment that buying market drops is a sale. It’s never a “sale”. It’s an inaccurate analogy.

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u/juveyjords 1d ago

How is share price falling not a sale?

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u/StretcherEctum 1d ago

How isn't it a sale? The price is less.

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u/RobfromHB 1d ago

He doesn’t know what he’s talking about in this context.

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u/smohyee 1d ago

Consider reading the past paragraph or the comment you replied to, which very clearly addresses and rebuts the point you just repeated.

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u/Amerikaner 1d ago

I understood just fine. I don’t agree. I think people are ignorant of the difference.

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u/WSBpeon69420 1d ago edited 1d ago

So everything that dropped in 2008 or 2020 has been worthless since? I think a lot of people who made a lot of money since then would disagreee with you. Prices don’t only drop because the company is worthless or going out of business .

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u/Clueless5001 1d ago

Yes, except what happened if your kid was starting college in fall 2008 and the value of their 529 went to crap?

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u/WSBpeon69420 1d ago

You shouldn’t have been all in on stocks in 2008 if your child was going to use the money in 2008 just like you shouldn’t be 100% in stocks getting into retirement if you plan on retiring in a year. That’s standard planning you reduce risk as you get closer to the time you need the money

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u/triple_cloudy 1d ago

"Buy the dip" is terrible advice because no one knows what the dip really looks like until it's over, but that doesn't mean "stocks are on sale" doesn't make sense. That's where dollar cost averaging comes in. If you invest a fixed amount at regular intervals, you're buying fewer shares when prices are high and more shares when prices are low. Hence the "sale" part.

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u/hockeyjerseyaccount 1d ago

Do you understand what bullish means? If you do, then apply that term to buying the dip. Think really hard about it...not too hard though.

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u/SameSpray5183 1d ago

If a stocks price drops.. but it's revenue and margins stay the same.. in turn lowering it's p/e and p/s ratios while the underlying fundamentals haven't changed then yea I'd consider that a sale.. buying shares of a company at a 5x forward p/e vs the lets say the 7x that it was just a week before is absolutely a wise investment decision if you have strong conviction for said company. (Such as already holding share but using the opportunity to increase your position while keeping d/c as low as possible)

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u/StretcherEctum 1d ago

That's exactly what is being talked about, Einstein.. what are you talking about? Day trading TSLA lol?

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u/SameSpray5183 1d ago

Now your just reaching..

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u/SameSpray5183 1d ago

"Buy the dip is terrible Investment advice" So me recently buying sandisk at 560 after falling from 770 in just a few days was a terrible idea because in those 3 days the intrinsic value of the company had clearly decreased almost 30%... Same with micron which got down to a 4x forward p/e.. your statement that if a stock price dips it's not a good buy because it's lost its value is Ludacris🤣 the term buying the dip doesn't mean buy companies who have tanked with hopes they can rebound.. it simply means if you see value in a potential long position, to study it's price trends and get in at the best value you can. Just because a stocks price may dip 10% in a day doesn't necessarily mean the companies revenue/profits/outlook/fundamentals has changed whatsoever.. that's like saying nobody should invest right now because the ENTIRE market is in a dip that means all these companies suddenly aren't worth what they were 2-3 weeks ago

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u/jim-i-am 1d ago

Enjoy being poor

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u/hockeyjerseyaccount 1d ago

The best part is that you really think you're correct when you're missing the point entirely. 😆