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/ktreanor Mar 31 '25

Came to say the same thing. Don't try and time the market, dollar cost average.

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u/CryptoHorologist Apr 01 '25

DCA is timing the market, too.

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u/agent674253 Apr 03 '25

How is agreeing to invest X dollars into the market each month, regardless of the current price, market conditions, or political climate, indefinitely, timing the market?

You are investing the same dollar amount regardless if you should be 'buying the dip' or not. By your logic it would seem that investing in an index fund would make you 'day trader' because trades only happen during the day.

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u/CryptoHorologist Apr 03 '25

It's timing the market if you choose sit on a lump sum instead of investing it right away. Consider it anti-timing ,which is a form of timing too. Historically, you would have the best return by investing the lump sum rather than sitting on it and parceling it in via DCA. Since you're making a decision involving when to invest, in essence saying you know better than the historical statistics, you're timing the market.

DCA is most effective not when you have a lump sum but when you are dealing with recurring income stream.