I use funds where I have to (403(b) and 457 plans) and also to provide needed diversification. And I pick stocks for my Roth and taxable accounts in order to boost overall returns. And that's what works for ME. That's what counts. Being able to sleep at night is what's important, at least as far as I'm concerned. I have a different approach, and that's what works for me. Best of luck to all of us, because we all seek the same thing--financial security.
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