This is the issue I mentioned before. From the perspective of retail investors, the stock market is indeed hard to decipher in terms of ups and downs, but indices like the Nasdaq 100 or the S&P 500 have historically always been on the rise.

Therefore, for retail investors, and even for many institutions and insurance companies, the allocation is often based on the S&P 500 as a fundamental safety net. This is also why the strategy of buying more on dips or dollar-cost averaging can yield good returns.

Fundamentally, buying an index means betting on the rise of America. If you believe that in the next five or ten years America will still remain a leader in the world, then buying an index may not outperform individual stocks, but the probability of doubling over five years is still quite high, and it is accessible to large funds as well.

The latest life insurance policy I purchased is based on the S&P 500, with an expectation of tenfold returns.

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