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
Is anyone still just dumping new money straight into S&P 500 in 2026?
byu/VelixaNtra ininvesting
Posted by VelixaNtra
27 Comments
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.
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
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.
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.
I still think defaulting to the S&P 500 makes sense for most people, especially if you’re not trying to manage things actively
What’s been interesting to me lately, though, is less about diversification in the traditional sense and more about understanding what’s actually driving returns underneath. Like the index is still pretty concentrated in a few themes (AI, large-cap tech, etc), so even though it feels diversified, it’s still somewhat dependent on those areas continuing to work
Yes absolutely
Every paycheck, yeah.
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.
Yeah, stocks are on sale and retirement is in the distance.
Basically. I have 3 very boring index funds I invest in, the bulk of which is a total stock market fund so basically the s&p 500 more or less. Why would I change my strategy because the markets down a few percent?
Yup
Every week.
I dump about 75% of my spare cash per month into S&P 500 and then 25% into VXUS.
My plan is to panic sell
I can only imagine what this sub would have been like in 2008.
Yes, but I’m canadian so I buy through XEQT, which is about 45% S&P. I like the all-in-ones (also hold some VT) because it just takes that guesswork out. Should I hold more of this country, etc.
I just usually buy every two weeks as I get paid. Have done so for about 15 years.
Yes, just pick an asset allocation and stick to it.
No I’m scared and only holding cash because new events are scary /s
Zoom out of the graph a little
Every paycheck. Haven’t changed in 8 years.
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)?
Every Thursday
I mean, yeah.
60/30/10 domestic/intl/emerg
Of the 60% domestic, like 85% of that is large cap.
Been that way for a decade in staying that way for decades more most likely.
I buy, basically VT, every time I get paid.
You should diversity across countries, not put everything into U.S. equities.
If you’re an investor keep DCAing.
If you’re a trader that’s a different story. Probably better to hold your cash as no one knows what’s going on.
Yes absolutely
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.