I’m a big fan of dollar-cost-averaging your monthly investments into index funds for the majority of your portfolio. For the smaller, higher-risk portion of your portfolio, I propose an alternative to choosing individual stocks. Hopefully this should come as no surprise to you, but properly choosing individual stocks is an incredibly challenging undertaking. I’d argue that it’s harder than calming a screaming infant at 3am when all you want to do is sleep (if you don’t have kids yet, just wait…). So here are my top 10 reasons to part ways with individual stocks and go with specialized or sector ETFs instead.