Buying individual company stock is a worse strategy than sector ETFs, especially if it's your own employer. (Individual stocks have more returns because they'r

Buying individual company stock is a worse strategy than sector ETFs, especially if it's your own employer. (Individual stocks have more returns because they're riskier, not because they have more alpha. And you're accepting however much risk you get instead of planning for it - just borrow someone else's money if you like it so much.)