To The Moon

Investing is exhausting—not just because you can lose money, but because you’re constantly second-guessing yourself: What should I buy? Should I sell? Should I switch strategies again? If you keep jumping around, emotions end up running your portfolio—today it’s inflation, tomorrow it’s rate cuts, next week it’s scary headlines.

For most people, the simplest way to win long term is also the most boring: stick with the U.S. market and hold through the ups and downs.

Some Tigers were already in position:

• 👏 @MedinaFamily — SPYM $16,871.

The S&P 500 is basically a basket of the 500 biggest U.S. companies (Apple, Microsoft, Amazon… etc).Over time, it tends to go up because:

• U.S. companies keep growing profits

• Money keeps flowing into the market over the long run

• Even after big crashes, the market has historically recovered

Yes, it drops sometimes — especially when inflation, rates, or geopolitical news scares people.But a lot of those drops are just temporary panic, not the end of the trend.

Why it’s easier for regular investors

Picking single stocks is hard. You need to be right about: the company, the timing, the earnings, the valuation, and market mood.

An index like the S&P 500 makes your life easier: With the S&P 500, you’re buying broad exposure across all 11 sectors, with companies that already passed a brutal filter: size, profitability, institutional coverage, and survival. SPY’s own fund description calls out the diversification across sectors and its goal of matching the S&P 500’s “price and yield” performance.

You’re not betting on one company You’re automatically diversified.The index “updates itself” (weak companies get removed, stronger ones replace them). So you make fewer big mistakes — and that’s what helps you compound.

SPY vs. SPYM

Both track the same thing: the S&P 500. So the performance will usually be very similar.

The main difference:

• SPY = the most popular, very liquid (great for trading in/out)

• SPYM = lower fee (better if you want to hold long-term)

So:

• If you want a long-term core holding and care about fees → $SPDR Portfolio S&P 500 ETF(SPYM)$

• If you trade a lot and care about smooth execution → $SPDR S&P 500 ETF Trust(SPY)$

Quick question for you

💬 If you were to buy the S&P 500 today, would you rather:

• A) Buy slowly over time (DCA)

• B) Buy the dip aggressively?

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