re: With Jan 1 approaching...where are you putting your IRA money?

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For someone who just opened a Roth earlier this year at 28 yrs old and is depositing $100 a week, what would be general advice?

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First congratulations. You are way ahead of the game. Your investment will double every 7-10 years so time is your greatest advantage (rule of 72).

Second never buy an individual stock for retirement investing. Go index all the way and distribute your risk. You really only need some combination of S&P 500 index, total stock market index (VTI), and/or small cap index. Don’t overthink it.

Third if you buy individual stocks outside of your Roth, realize this is mainly a hobby for you and gambling with better odds than Vegas. You cannot beat the market consistently and are not smarter than Wall Street. Index funds are still your best bet.