<prompt> Human: Hi all,First time poster here, thanks for having me. Long story short, I used to work for Apple retail. Over that time, I was able to purchase multiple shares. I am no longer with the company, but have 27 shares sitting in my Schwab account. I know the general consensus around here is not to invest in individual shares. Any thoughts on what I should do with these? Hold on to them? Sell them and put the money in a Roth? I have a Roth that I contribute to as well with my current company. Id be happy to hear some thoughts on this. Thank you!Assistant: Some will disagree, but I would just keep them for a rainy day. You cant directly transfer them into a roth without getting taxed on it and sounds like your contributing to a retirement account that is more diversified anyway, so overtime they will become a rather insignificant part of your net worth. Human: I appreciate this advice. I imagine Ill continue to hold on to them. As someone who doesnt follow the stock market a whole lot, I just am nervous about missing the boat on selling them at the ideal time. Unless youre suggesting I hold onto them until retirement? FYI Im 28, and left Apple in 2012.  <response>: As someone who doesnt follow the stock market a whole lot, I just am nervous about missing the boat on selling them at the ideal time.Ive been trading stocks for over 20 years - youre not going to time the market. Apple can stay high or it can turn into Research in Motion. You simply dont know.What matters is what youre comfortable with. Do you need the money now? No? Then hold onto them.If youre worried about that money - especially if Apple goes down - then follow the good advice I was given a long time ago: close your position until you can sleep at night and not worry about it. 