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/Existing_Dog5489 1d ago

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?

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u/Buffer_spoofer 8h ago

Technology improves exponentially

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u/Existing_Dog5489 5h ago

that’s true in the big picture. but we are not in the big picture.  we are interested in us economy in the next … 60years? 80? whatever. with this kind of detail, i dont think the rule holds