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REDDIT

Roth or Brokerage for individual holdings - what is best?

B
May 13, 2026 · 18:28

I've personally managed to make some of my best gains in my individual account with single stocks. A long time ago I believe I had seen some advisement that I should hold VT & VTI in my Roth, so that is basically 90% of my Roth.

It has done well, but some of my individual stocks have soared much higher. The issue there is that I have all the taxes I need to pay in my individual account.

Should things like VT / VTI be in brokerage accounts and put some of the individual stocks in my Roth? Naturally I might not be lucky to get the same gains, and I might also lose a ton on them and then have no tax harvesting benefits.

What are peoples thoughts on this? I feel like the Roth IRA's benefit is for more aggressive single stocks

Looking for general opinions on the subject