<prompt> Human: I am 33 years old. I give 10 of my pay to my IRA through my company. I have a budget set every month and sometimes have leftovers. I sometimes put that extra money into a different 401k that I set up individually. Should I be investing in stocks instead? Any advice is welcome. If you need more info just ask.  <response>: No. You should stick with diversified mutual funds or ETFs offered by your plan.Only by stock if you are prepared to research the company. 