I keep my 401k invested in a mix of index funds and rebalance every couple months to force the account to buy high and sell low. Given it represents a more significant portion of my retirement would never consider putting any of it into individual stocks. My Roth IRA is where I let myself take some risk and make individual stock purchases. I usually pick up stocks with good dividend yields and reasonable P/E ratios when the market turns down, and then hold them until I get my targeted return. When the market tanks like it is now the majority of stocks are good options as they will rebound eventually. No one knows when the market is at the bottom so try to make the best timing decision and then hold until the market returns. Often times if I buy and the market continues to drop then I buy more of the stock I am invested in to improve my position. Good luck to you!
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