<prompt> Human: My Roth IRA is currently 100 in vanguards target retirement fund. I would like to be more aggressive with it and put it in a few stocks. I am a resident physician so Ill only have probably 3 more years of contributing to a Roth, I figure why not go for gains. Vanguard has the option to open a brokerage account. Anyone have experience with this? Especially if youve switched accounts.  <response>: Uh, the Target Retirement Fund already has stock index funds in it.If you want to be more aggressive, do it with a more aggressive asset allocation i.e. allocate less to bonds and more to stock index funds. Going from stock index funds to individual stocks isnt going to be more aggressive. Its going to be more of a gamble, and as a physician, I doubt you even have close to any amount of time to do even the slightest bit of research on your stocks to make it any thing more than throwing darts at a wall not that professional fund managers do much better either. Stick with the Target Retirement Fund and dont be silly.I am a resident physician so Ill only have probably 3 more years of contributing to a RothRead up on how to do use the Backdoor Roth IRA 