The project

One rule. Everything else is fine print.

RMSP500 (Retard Maxxing S&P 500) is a long-running public experiment: what happens if you put a fixed amount every month into whatever S&P 500 stock did best last year, and never think about it? It's deliberately dumb, fully mechanical and completely transparent. I trade with my own money, through a regular broker that allows fractional shares.

The kickoff

The project starts with $1,000 on Monday 2 November 2026, bought into 2025's winner. After that it's $100 on the first US trading day of every month. 2025's top performer was SanDisk, but it wasn't in the index for the whole year, so the community votes between SanDisk and Western Digital on the front page.

The rules

The year's winner

The stock with the highest percentage price return over the previous calendar year.

Stock universe

S&P 500 members as of the last trading day of the year.

New listings

Needs a specific rule. SanDisk only started trading in February 2025, so the 2026 pick goes to a community vote.

Monthly buy

First US trading day of each month.

Same winner two years in a row

No sale, no realized capital gains tax. Just keep buying.

New winner

Sell the old stock, set aside capital gains tax, reinvest the rest.

Losses

Calculate the tax deduction value, but only count it as cash once it can actually be used.

Dividends

Reinvest net dividends and record any withholding tax.

Changing the rules

Logged publicly. The original result series is always kept.

The yearly cycle

STEP 1
Every month
$100 into the current stock on the first US trading day.
STEP 2
Last trading week of the year
If there's a new winner, sell the whole position.
STEP 3
First trading day of the new year
Reinvest the sale proceeds (minus reserved tax) into the new winner, plus that month's $100.
STEP 4
Repeat
For 10+ years, or until something breaks.

What you can expect

The aim is a monthly video summing up where things stand, the company and the outlook, and shorter updates in between on YouTube and X. Every trade goes into the public transaction log with proof.

The risks (yes, really)

The whole portfolio sits in a single stock. If that company has a bad year, so does the portfolio.
Last year's winner often doesn't repeat. This strategy may well do worse than an index fund.
Currency moves (USD/NOK), fees and taxes all eat into returns.

This documents my own trades. It's not a recommendation for you to do the same. Full disclaimer.