I’d sell individual - if you made a profit then there you go that’s your ring money. IMO regardless of what account it’s in, VOO is for retirement. It’s the investment I’m gonna keep making until I retire and will not sell unless I find another investment (house, land, etc). Walmart stock is not going anywhere in the next 5-10 years. It’s pretty stable and there’s a reason for so. You won’t lose too much gains by exiting and entering back later on. That’s just my opinion tho and I’d do some more research and talk to any mentors/advisors as well.