How to Money · Monday, July 20, 2026
In response to a listener's question about selling beer stock within a Roth IRA, hosts Joel and Matt reiterated their stance against single stock investing for most individuals due to its complexity and risk. They recommended shifting to low-cost, total stock market index funds or target-date funds for better diversification and returns.
“We are not fans of single stock investing for the vast majority of folks, because the truth is, most folks don't have the time. Even if you did have the time, do you have the expertise, do you have the knowledge in order to take that route and to do it successfully?”
“Instead, use the funds from that sale to go in on just low cost total stock market index funds or a target date fund.”
“But slow and steady index investing inside of that ROTH is the best move for most individuals.”