Is The 'S&P 500 And Chill' Strategy Too Passive For 2026? A 20-Year-Old Investor Weighs Gambling Against Just Parking Their Money

Benzinga_recent_news02-26 23:00

A 20-year-old who just landed their first real job recently posed a simple question online: “Is the ‘S&P 500 and Chill’ strategy still viable in 2026, or am I missing something?” Don't Miss: The ...

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Another doubled down: “It’s VT and chill ALWAYS.”“If you don’t know anything more than the market does, buy the market,” one investor wrote. “VT and chill for decades. And you’ll still end up filthy rich.”“If you’re asking whether it is still viable due to one year, you’re missing the point of it,” one investor wrote, reminding the 20-year-old that the strategy is meant for 30- to 40-year horizons.To add Benzinga News as your preferred source on Google, click here.","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"VTI":"大盘指数ETF-Vanguard MSCI",".SPX":"S&P 500 Index","HIBL":"Direxion Daily S&P 500 High Beta Bull 3X Shares","OEX":"标普100","VT":"世界全股市ETF-Vanguard","UPRO":"三倍做多标普500ETF-ProShares","IVW":"标普500成长股指数ETF-iShares","XDTE":"Roundhill S&P 500 0DTE Covered Call Strategy ETF","SPYV":"SPDR Portfolio S&P 500 Value ETF","GPIX":"GOLDMAN SACHS S&P 500 CORE PREMIUM INCOME ETF","BK4581":"高盛持仓","SH":"做空标普500-Proshares","BK4588":"碎股","SPXL":"三倍做多标普500ETF-Direxion","BK4534":"瑞士信贷持仓","BK4585":"ETF&股票定投概念","VOOV":"Vanguard S&P 500 Value ETF","IVOO":"Vanguard S&P Mid-Cap 400 ETF","IVV":"标普500ETF-iShares","SPXS":"三倍做空标普500ETF-Direxion","BMAY":"Innovator U.S. Equity Buffer ETF - May","OEF":"标普100指数ETF-iShares","SPLV":"Invesco S&P 500 Low Volatility ETF","SDS":"两倍做空标普500 ETF-ProShares","SPYI":"NEOS S&P 500 High Income ETF","BK4504":"桥水持仓","SPXU":"三倍做空标普500ETF-ProShares","BK4559":"巴菲特持仓","SPDN":"Direxion Daily S&P 500 Bear 1X Shares","SPYM":"投资组合标普500指数ETF-SPDR","SSO":"2倍做多标普500ETF-ProShares","BK4550":"红杉资本持仓"},"translate_title":"“标普500和寒冷”战略对于2026年来说是否过于被动？一位20岁的投资者权衡赌博和只是停车","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{".SPX":1.95,"SPYV":0.6,"SSO":0.6,"HIBL":0.6,"SPYM":0.6,"ESmain":0.6,"IVV":0.6,"SDS":0.6,"SH":0.6,"IVW":0.6,"SPYI":0.6,"IVOO":0.6,"OEF":0.6,"GPIX":0.6,"OEX":0.6,"SPXL":0.6,"MESmain":0.6,"BMAY":0.6,"VOOV":0.6,"VT":1.87,"UPRO":0.6,"VTI":0.6,"XDTE":0.6,"SPDN":0.6,"SPXS":0.6,"SPLV":0.6,"SPXU":0.6},"content_text":"A 20-year-old who just landed their first real job recently posed a simple question online: “Is the ‘S&P 500 and Chill’ strategy still viable in 2026, or am I missing something?”  \nDon't Miss:\nThe loudest response was not to abandon passive investing, but to broaden it.\n“It’s VT and chill now,” one commenter wrote, arguing that investors should own the entire global market via Vanguard Total World Stock Index ETF (NYSE:VT) instead of just the largest 500 U.S. companies. Another doubled down: “It’s VT and chill ALWAYS.”\nThe reasoning is simple. The past 15 years of U.S. dominance may not repeat. Several commenters pointed out that from 2000 to 2010, international markets outperformed the S&P 500. “Do you think US large cap will outperform for the next 18 years?” one person asked, warning against recency bias.\nThe theme repeated throughout the thread: No one knows what will outperform next.\n“If you don’t know anything more than the market does, buy the market,” one investor wrote. “VT and chill for decades. And you’ll still end up filthy rich.”\nOthers emphasized that passive investing works precisely because it removes the need to predict. “Don’t look for the needle in the haystack. Just buy the haystack,” one commenter said, echoing Vanguard founder John Bogle.\nTrending: 1.5 Million Users Are Already Working Inside This AI Platform — Investors Can Still Get In\nNot everyone was ready to move on from the classic playbook.\n“VOO is peak investing,” one commenter declared. “The beauty of an S&P 500 strategy is it DOES NOT MATTER who the top dog is,” another added.\nSupporters argue the index is “self-cleaning,” regularly removing weak companies and adding stronger ones. Over long stretches, it has delivered around 10% annual returns.\n“If you’re asking whether it is still viable due to one year, you’re missing the point of it,” one investor wrote, reminding the 20-year-old that the strategy is meant for 30- to 40-year horizons.\nSee Also: Invest Like Hollywood's Elite: Own a Stake in Valley Wellness' Luxury Behavioral Health Retreat\nThe original poster’s concern about “parking my money in a zombie index” drew pushback. Indexes evolve automatically, many said, and betting on hot sectors requires being right twice: when to buy and when to sell.\nStill, the overwhelming takeaway from the discussion was simple: At age 20, consistency matters more than optimization.\nRead Next: The ‘ChatGPT of Marketing' Just Opened a $0.85/Share Round — 10,000+ Investors Are Already In\nImage: Shutterstock\nTo add Benzinga News as your preferred source on Google, click here.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.2","shortVersion":"4.36.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2614259150","isCrawlerRequest":true}