not inspanidual stocks. but you should be buying etf stock or index funds. which are clustered stocks and super safe to invest in.And low fee. Luckily my employer does non-elective contributions, so I get my 3% match without putting money into my work retirement plan. I put all of my investment money into a Vanguard target retirement fund. I could save slightly more by picking my own index funds, but I'm lazy.