Being a retired old man, I don't risk my money on individual stocks. I built my own IRA Mutual Fund portfolio with money from a rollover from my company 401k about 3 years ago. I did go a little heavier into stocks than is recommended for someone my age. I figured since I am getting a pension as well, I could afford a little risk. I've had a 27% gain in those 3 years. Not sure how that compares to the overall market, but I'm pleased with it. For me diversification is the way to go.