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REDDIT

Still going all-in on S&P 500 with new money, or diversifying more in 2026?

V
Apr 3, 2026 · 22:08

Hey, i’ve been pretty simple with my contributions - every new chunk of money usually goes straight into **S&P 500 (VOO or VFIAX)** It’s worked well for me the last few years.
But lately with the market near highs and some volatility, I’m starting to question if I should spread it out a bit (**more VTI, some international, or even a small bond allocation**)
How are you guys handling fresh cash right now? Still all-in on broad **US** indexes or changing your approach this year? Appreciate any thoughts.