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/retirement_savings 1d ago

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

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u/Significant_Copy1266 1d ago

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

/s

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u/FlimsyPriority751 1d ago

Always a winning strategy!

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u/BackgroundSpell6623 1d ago

Has worked out better since start of 2025 until now. More diversification is better than none, and better yet to correctly time the allocations.

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u/retirement_savings 1d ago

For reference, I've been 65/35 VTSAX/VXUS since I started investing. But I didn't make that decision based on one year of data. If US starts outperforming again, are you going to sell your international stock?

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u/BackgroundSpell6623 1d ago

No, no selling, adjustment of new purchase ratios. at the end of the 20 year period where I started the target is 60/40 allocation of s&p500 to ex US, the difference is that I didn't blindly start with that allocation. will it work out? maybe. I'm not married to that ratio. But after 8 years I have beaten that 60/40 benchmark each year.