<prompt> Human: I recently discovered my mother has ignored one of the most basic principles of investing: do not put all your eggs in one basket. She is around 95 in stocks, but even worse she is all in with Amazon only. Her accounts are spread among a 403b, a Roth IRA, and a regular brokerage account. She also has a sizable checking account which needs to be moved too. I have now convinced her to allow me to control her accounts and am planning on making the appropriate changes. With retirement just around the corner, where should I move her money? Bonds or a mutual fund bond? Are there any other options? Will there be significant costspenalties for changing the composition of her 403b and Roth IRA accounts?  <response>: Im so confused why would anyone sell AMZN... look at the fundamentals... look the at QoQ and YoY growth... AMZN has no competition and is not losing steam. I get the lack of diversity but mutual funds isnt the way to go. I agree with the one guy who said sell a few shares a year to avoid capt gains tax and just buy other stocks preferably with dividends so she can cash a check to live off. 