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The S&P 500 has dominated in recent years — but history shows it’s far from invincible. See why concentrating only in U.S. large-cap stocks could mean missed opportunities, higher risk, and weaker returns over time — and why true diversification matters.

Most people think they can just put all of their money in an S&P 500 index fund and not worry about concentration risk. After all, you're investing in 500 companies right?It isn't as straight forward as that, the S&P 500 is a lot more concentrated than people think.

On April 3rd, 2025, global stock markets took a hit following the announcement of new tariffs by President Trump. Each index recorded its steepest single-day decline since March 2020 during the COVID crash. On April 4th, markets continued downward, rounding out nearly a 10% loss in just two days.