Is it smarter to buy individual stocks for your Roth IRA or taxable brokerage account? I’m torn because there’s the tax free growth within the Roth, but can’t touch it till 59 1/2 and no loss protection. With the brokerage account I have the tax harvest loss protection if needed and could access the funds whenever, but then I’m paying taxable gains when I sell and dividends. I’m 30 years old and want to start putting money each month into some companies I’ve been doing research on. My goal is long term gains, so day trading is not my intention.