NerdWallet's Smart Money Podcast

Investing in 2026: Fix Your Allocation Before the Next Market Swing

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Jan 5, 2026
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INSIGHT

Markets Defy Confident Predictions

  • The market is very hard to predict and expert certainty often fails.
  • 2025 showed big swings: a spring dip then record highs later in the year.
INSIGHT

S&P Heavily Skewed Toward Big Tech

  • A handful of mega-cap tech firms now dominate S&P 500 weighting.
  • That concentration makes broad index funds more tech-focused than in past decades.
ADVICE

Try Equal-Weight Funds

  • Consider equal-weight funds to avoid overexposure to the largest companies.
  • Equal-weight ETFs allocate the same to each S&P company rather than by market cap.
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