Diversify Now: Don’t Let a Tech-Heavy S&P 500 Define Your Nest Egg

Long-running gains from low-cost S&P 500 funds have built wealth, but heavy exposure to tech and mega-cap stocks raises risk. Analysts urge adding non-correlated assets—such as equal-weighted S&P 500 exposure, small-cap and international equities, dividend/value ETFs, and shorter-duration bonds—to reduce volatility and improve resilience in a potential bear market, with gold as a diversifier and time-horizon considerations guiding how aggressively to allocate.