So I have been investing for a few years now in a ROTH IRA with a long term DRIP strategy. I only have four stocks in my portfolio and I try to put max the $5500 every year. I know I am overweight in some areas and not completely diversified, but I am wondering if I have a good or bad strategy going on? I am in my mid 20s and plan on holding and reinvesting dividends until I retire. I also do plan on adding more every year and buying other blue chip dividend stocks. Are mutual funds a better way to go though? Could I have a combination of stocks and funds and focus on only buying mutual funds in the future? I have about $15,500 total in my ROTH IRA with the following breakdown: 36% Apple. 31% Disney. 17% 3M. 16% Starbux.