{"id":1519,"date":"2025-07-10T07:26:48","date_gmt":"2025-07-10T07:26:48","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1519"},"modified":"2025-07-10T07:27:42","modified_gmt":"2025-07-10T07:27:42","slug":"why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/","title":{"rendered":"Why Investing in the S&amp;P 500 Is a Smart Long-Term Move?"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">One of the first questions many people ask me when they\u2019re getting into investing is \u201cWhere should I start investing?\u201d Nine times out of ten I reply with the answer \u201cThe S&amp;P 500.\u201d I know you\u2019ve probably heard that answer a million times, and it\u2019s true for good reason.\u00a0The S&amp;P 500 is widely known as one of the most legendary indexes of all time.\u00a0It\u2019s made up of 500 of the largest, most valuable, stable, and well-managed publicly traded companies in the U.S.\u00a0But the praise for the S&amp;P 500 goes beyond just talk.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are solid, data-driven reasons why I consider it to be one of the most intelligent investment moves an investor can make for the long run.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#What_is_the_S_P_500\" >What is the S&amp;P 500?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#Historically_Strong_Long-Term_Growth\" >Historically Strong Long-Term Growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#S_P_500_Stays_Strong_through_History\" >S&amp;P 500 Stays Strong through History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#Compound_Interest_Magic\" >Compound Interest Magic<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#American_Giants_Have_Global_Reach\" >American Giants Have Global Reach<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#S_P_500_ETFs_Have_Lower_Fees\" >S&amp;P 500 ETFs Have Lower Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#The_S_P_500_Has_a_Winning_Track_Record\" >The S&amp;P 500 Has a Winning Track Record<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bearsavings.com\/blog\/why-i-think-investing-in-the-snp-500-is-a-smart-long-term-move\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_S_P_500\"><\/span>What is the S&amp;P 500?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The S&amp;P 500 is an index of the top 500 publicly traded U.S. companies, based on market capitalization (company value).\u00a0Some of the famous household names included in the index are Apple, <a href=\"https:\/\/www.bearsavings.com\/tools\/microsoft-stock-calculator\/\" title=\"Microsoft\">Microsoft<\/a>, Amazon, <a href=\"https:\/\/www.bearsavings.com\/tools\/nvidia-stock-calculator\/\" title=\"Nvidia\">Nvidia<\/a>, Google (Alphabet), Meta, Berkshire Hathaway, Johnson &amp; Johnson, and <a href=\"https:\/\/www.bearsavings.com\/stocks\/jpmorgan-chase-stock-calculator\/\" title=\"JPMorgan Chase\">JPMorgan Chase<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combined, these 500 companies in the S&amp;P 500 span sectors like technology, finance, healthcare, energy, consumer discretionary, and industrials.&nbsp;The S&amp;P 500 has massive built-in diversification, so you\u2019re not putting your money into just one sector or company.&nbsp;You\u2019re investing in the backbone of the U.S. economy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historically_Strong_Long-Term_Growth\"><\/span>Historically Strong Long-Term Growth<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Since its inception, the <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/042415\/what-average-annual-return-sp-500.asp#:~:text=the%20United%20States.-,The%20S%26P%20500%20has%20delivered%20an%20average%20annual%20return%20of,real%20return%20drops%20to%206.47%25.\" title=\"S&amp;P 500 has returned about 10% annually\">S&amp;P 500 has returned about 10% annually<\/a>, on average, before adjusting for inflation.\u00a0So let\u2019s say you invested $1,000 in the S&amp;P 500 index in the 1980s and never touched it.\u00a0Your $1,000 investment could be worth over $10,000 today.\u00a0This is with zero active management and assuming you just re-invested any dividends paid by the companies in the index back into the index fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Market crashes, like the 2008 financial crisis or the 2020 pandemic, can make the index lose value in the short term.&nbsp;But over the long run, history has shown the index bounces back to eventually reach new all-time highs.&nbsp;It is one of the most reliable ways to build wealth over the long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">History has shown that the S&amp;P 500 is one of the most resilient indices in history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"S_P_500_Stays_Strong_through_History\"><\/span>S&amp;P 500 Stays Strong through History<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A major reason why I trust the S&amp;P 500 is because of its staying power.&nbsp;The U.S. economy has seen recessions, wars, inflation, the dot-com bubble, 9\/11, and even the pandemic.&nbsp;Despite this, the S&amp;P 500 has survived and thrived.&nbsp;And the companies in the index have had to adapt, change, and reinvent themselves to keep growing.&nbsp;Here are some examples:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The 2008 Global Financial Crisis<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The S&amp;P 500 survived the 2008 financial crisis and went on to experience one of the longest bull markets in U.S. history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>COVID-19 Crash in March 2020<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The S&amp;P 500 index not only recovered after a pandemic-induced crash in March 2020, but it reached new highs in less than a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proof of Quality<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The companies in the S&amp;P 500 are chosen using strict criteria including profitability, market cap, liquidity, and public float.&nbsp;This ensures the companies are financially healthy and well-managed.&nbsp;Investors in the S&amp;P 500 also benefit from a quality filter of sorts.&nbsp;They don\u2019t have to individually select each of the 500 companies.&nbsp;The S&amp;P 500 committee takes care of that.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Easy Passive Investing<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you buy an S&amp;P 500 ETF, such as SPY or VOO, you gain instant access to all 500 companies in the index.&nbsp;You can create a passive portfolio with the flip of a switch and no need to be a stock-picking genius.&nbsp;And that\u2019s one of the most attractive features of investing in the S&amp;P 500: simplicity.&nbsp;If you\u2019re just starting out or don\u2019t want to actively manage your portfolio, it\u2019s an ideal choice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compound_Interest_Magic\"><\/span>Compound Interest Magic<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you invest in the S&amp;P 500 and keep re-investing your dividends back into the index fund or ETF, you\u2019ll take full advantage of compound interest.&nbsp;Those dividends will grow into their own portfolios over time, leading to a snowball effect.&nbsp;Patience, consistency, and time are the keys.&nbsp;Here is an example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose you invest $500 per month into an S&amp;P 500 index fund.&nbsp;After 30 years, with an average annual return of 10%, your portfolio could be worth nearly $1.1 million.&nbsp;Now that\u2019s the power of compounding.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"American_Giants_Have_Global_Reach\"><\/span>American Giants Have Global Reach<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, the S&amp;P 500 only tracks U.S.-based companies.&nbsp;But many of those are global giants that have a big presence and revenues coming from Europe, Asia, Latin America, and emerging markets.&nbsp;For example, companies like Apple, Amazon, and Microsoft derive significant portions of their sales from outside the U.S. By investing in the S&amp;P 500, you get exposure to the global growth of the U.S. economy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"S_P_500_ETFs_Have_Lower_Fees\"><\/span>S&amp;P 500 ETFs Have Lower Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fee and expense ratios are the bane of investing.&nbsp;It\u2019s one of the biggest factors that erode your investment returns over time.&nbsp;But S&amp;P 500 ETFs have ultra-low expense ratios, like Vanguard\u2019s VOO with a 0.03% expense ratio.&nbsp;That means more of your money is being compounded instead of being siphoned away for \u201cadvisory\u201d services.&nbsp;Compared to actively managed funds, index funds are a much cheaper alternative.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_S_P_500_Has_a_Winning_Track_Record\"><\/span>The S&amp;P 500 Has a Winning Track Record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Warren Buffett has famously said that most investors will be better off buying a low-cost S&amp;P 500 index fund and holding it for the long term.&nbsp;In 2008, he even made a bet that an S&amp;P 500 index fund would outperform a portfolio of actively-managed hedge funds over a ten-year period.&nbsp;He was right and won $1 million in the bet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buffett has also given instructions for the bulk of his estate to be invested in S&amp;P 500 index funds.&nbsp;A Warren Buffett fan club member\u2019s tip if there ever was one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The S&amp;P 500 is not a risk-free investment and may not be right for everyone.&nbsp;But after considering the decades of data, massive built-in diversification, historically strong returns, high-quality company filter, low fees, and solid staying power, the S&amp;P 500 index is one of the best long-term investment opportunities for most people.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don\u2019t have to analyze individual stocks or worry about market timing.&nbsp;You don\u2019t have to obsessively monitor your portfolio.&nbsp;Just be consistent, re-invest your dividends, and give it time.&nbsp;This is how real wealth is created.&nbsp;So yes, I not only think it\u2019s a good idea, I think it\u2019s one of the smartest financial moves you can make for your future self.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the first questions many people ask me when they\u2019re getting into investing is \u201cWhere should I&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1521,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","article","has-background","has-excerpt","has-avatar","has-author","has-date","has-comment-count","has-category-meta","has-read-more","has-post-media","thumbnail-"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One 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