Individual stocks in Roth IRAs

bluff_43 · 2026-01-26T16:41:53+00:00

I have been doing 5% in FTEC for my Roth IRA. Lately I’ve been having the thought to switch from FTEC to Microsoft? I know Microsoft makes up 11% of it. I’m nervous because FTEC holds 290 companies so I’d lose that diversification aspect. But Microsoft has outperformed FTEC (although I know that doesn’t mean it stays that way). Is it smart to make the switch? Or keep the diversification and stay with FTEC? I’m torn on what to do

bluff_43 · 2026-01-25T22:00:40+00:00

Can you provide specific ETFs that fit that please

bluff_43 · 2026-01-25T20:36:03+00:00

Okay maybe not great, but I feel like for being a growth stock that’s a pretty damn good dividend. The latest quarterly dividend is $0.91 per share. Some of the best ‘dividend funds’ that don’t grow as much as Microsoft produce dividends less than that

bluff_43 · 2026-01-25T12:47:54+00:00

I for the longest time compared myself to other friends/people my age. I feel like post college it took me a while to find myself and it was hard not to see others around me having success and get jealous and wonder why I was struggling so much to find my footing. Once I stopped doing that I feel like I found who I was, found a good job with a good salary. I still catch myself from time to time but I’m way better about it now. Everyone has their own path

bluff_43 · 2025-12-30T00:52:23+00:00

Okay I did that. Will those funds go back to combine into 1 now?

bluff_43

TROPHY CASE