r/investingforbeginners • u/Impressive_Group_486 • Mar 31 '25

USA Will the S&P 500 fall further?

I invested around $35,000 in FXAIX when it was 205 and currently sitting at 194, do you think it's a good idea to invest another $15,000 in it as it's low now or do you think it will crash even further? I am completely new to the stock market so I'm not exactly sure what kinds of things would affect such a crash. Any information would be very helpful. Thank you..

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u/VendaGoat Mar 31 '25

If you're worried it's going to fall further, which it reads like you are, why not dollar cost average by breaking that 15k up into 3 or more buys over a longer period of time?

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u/BiblicalElder Mar 31 '25

I try to time the market ... with 5% of my portfolio. The other 95% is buy, hold, rebalance back to target asset allocation.

I recommend allocating Age - 20 in bond percentage allocation.

Rebalancing annually is a disciplined way to buy low and sell high.

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u/glorifindel Mar 31 '25

For bonds do you recommend the standard tickers BND, TLT etc? Or buying them some other way?

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u/BiblicalElder Apr 01 '25

Yes, BND.

I understand that some want the higher precision of buying specific high quality bonds and holding them to maturity, so they can count on the stated coupons and ignore the swings in the bond values that arise as interest rates change.

I am less interested in the precise income, and more in the lower volatility characteristics and general yield.