<prompt> Human: So I am pretty sure my ROTH IRA investments are completely screwed up. I didnt know what I was doing when I set it up and I clearly dont know what I am doing now. Personal finance and savings are not my thing and I really want to get on track.I am a 31married male and I have about 5k in my ROTH IRA. It has investments in a handful of stock and that is it. Should I sell these individual stocks and re-invest in something else?EDIT: Also, I have some stock options from another company, by no means is it valued high about 700. This is held in an e-trade account. What should I be doing with this?Assistant: Should I sell these individual stocks and re-invest in something else?Yes, sell the stock now and buy an index mutual fund or several index funds.If you have no idea what you are doing, just buy a target retirement date fund with whatever provider you have for now and then start educating yourself FAQ, sidebar, etc.Human: Thanks for the honest and quick response. I just need to get on track. Assistant: Loopys advice is good. Post more details and we might be able to make more specific recommendations. How do the rest of your retirement savings look? At 31 you need to be on sound footing in this regard as times-a-wasting.Education is key. A Sunday afternoons worth of reading about how retirement savings and investing works will pay lifetime worth of dividends. Dont invest in anything you dont understand. Theres a whole predatory industry built on this.Human: Well I recently started a new job and plan on rolling over an old 401k into my new 401k. My savings is pretty lacking in that regard but my company now currently offers a pretty good matching plan.  <response>: Matching usually doesnt apply to money you roll _into_ the 401k. As a general rule, unless your new one has _fantastic_ fund choices, youre usually better off rolling your old 401ks into an IRA _not_ a Roth IRA in this case so that you can direct the fund choices yourself and control costs. 