<prompt> Human: Hey all! I am a 21 year old college student that has been putting my maximum contribution into an ETRADE ROTH IRA since I started working 2 years ago. However, due to my limited investing knowledge half of the money has purchased a single stock and the other is just sitting in the account. I realize that I need to be constantly investing my money to maximize the returns, and I am hoping to switch to wealth management Betterment, Fidelity to do so. Is this a good idea, and if so what are my next steps to take? Thank you so much!  <response>: Id just buy the whole market. VTSAX, VTSMX, VTI, whatever matches your amountprovider. If you can buy and HOLD, its true that american companies make money over time. Heres a good series on stocksDisclaimer : not a professional blah blah blah do your own research. 