Stephanie Marini, CFP®, CRPC®

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172 appearances 1 recordings 1 series first heard Apr 2026 last heard 4 Apr

Stephanie Marini, CFP®, CRPC®’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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Motley Fool Hidden Gems Investing · Which Types of Investments Should You Own and Where Should You Own Them · 4 Apr 2026 podcast

And then I think the tax flexibility is an underrated benefit that individual stocks hold because you're not subject to a fund manager selling off a portion of the portfolio to invest in something else and leaving the investor with the tax liability.

So being able to control when to sell, how long you've held it, shorter, long-term capital gains is a really big pro for individual stocks.

I mean, I think you mentioned the first one.

It's that easy to pick.

If we all knew what the next NVIDIAs would be, wouldn't be the next NVIDIA.

And so I think having eggs in one basket, I think that as humans, as individual investors, it's easy to be excited in one sector, in one area.

And so it's hard to force yourself into creating a basket, fully diversified, not limited in one sector, in one area.

And again, it's hard to pick winners consistently.

I think the stats out there are not good if you wanted to Google them as far as how many people win and lose, especially if you look up the day trader rates.

So I think that is the hardest thing to have to get over of.

Even if you are investing in individual stocks, you have to be well diversified in the number, but also the sector, the industry that you are investing in.

I think that's super personal.

I think a huge portion of this is a risk tolerance.

What is your capacity for risk?

And also when you're going to need the money.

So, you know, I am still working.

My husband and I are both employed.

We talk about three to six months of emergency fund in cash and something like a high yield savings account where we can access right away.

But as we get older, as we near retirement, we are going to have closer to three years, five years of cash liquid to fund our retirement.

So I think age is a big factor.

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