Since most active investors and even funds can’t even beat the market, why bother trying? There’s been a long-standing notion that passive investors like you and I should simply invest in an S&P 500 ETF which tracks the S&P 500 index, the most popular index used to gauge the U.S. stock market. After all, the S&P 500 has seen an average annual return of 10.757% over the last 50 years, and is perceived to keep doing so. Source: Giphy But should you really just be investing in an S&P 500 ETF? And are we so sure that the S&P 500 will just keep going up for the long haul?