And I certainly use individual stocks primarily for added risk/return.

I’m refocusing on the indexes because of the runaway growth in my individual stocks to try and lower my risk a bit.

It’s hard to keep up when the individual stocks grow so much. I bought into nvda, Apple and Tesla a few years ago when I opened the SDBA for my 401k. However despite my monthly buys and company match I haven’t been able to transfer funds into the SDBA since because the SDBA growth has kept pace with the funds in the primary account of my 401k.