<prompt> Human: Im a 26 year old software developer. Out the 10k I have. 8k is in VTSMX mutual fund and 2k is in a international ETF. I still need to contribute for this year. I am young so should I dump these and buy individual stocks since they are performing very well? The mutual fund and etf have made solid gains but just seem slow. I make pretty good money so I am willing to take more risk-but should I? Thanks Thanks for the replies, all. So far everyone seems to be saying I am aggressive now since Im 100 in stocks. Guess I forgot that these funds are all stocks. I do have a REIT CCI in my regular trading account. Should I put that in my Roth IRA somehow because of the nice dividends? Ive read on this sub that REITs should be in a tax advantaged account.  <response>: Youre 100 in stocks, which is considered aggressive. Youre doing fine. Investing in individual company stocks takes a lot of know how and a lot of luck. For that reason, people that try and beat the market often lose out compared to just investing in index funds like youre currently doing. 