[kscarrol]

So many factors, age (how long till retirement), risk tolerance, goals ( capital appreciation, capital preservation etc). I’m not an advisor but if young and building wealth, I’d stick with ETF’s and index funds due to low costs. As you build up wealth you can certainly invest in individual stocks but understand the risks and your tolerance/ability to weather down turns both in terms of the individual stocks and the market as a whole.

Educate yourself on what drives value and ultimately the valuation of investments. Understand the risk versus the potential reward. Cash flow drives value. Looking at AI companies for example, most of these companies are burning through cash to grow and that will pay off eventually but not for all. Ultimately investors will want to see a return on that investment as positive cash flow and profits.