If you are making 20%, keep doing what you are doing! I am making less than that, except for the company stock I buy, which is insanely up, and I get to buy it at 15% off....I have considerably more than you, but I'm like twice as old and I get stock as a bonus most years. Then again, I didn't really start until 9 years ago....give or take. I'll look, but I'd guess I have been more in the 15% range for all the other investments. That said, I've been somewhat conservative on a few decisions, which has cost me. And, I badly timed various Apple purchases... Hmmmm....in looking at the stocks I've picked (ignoring the conservative funds in retirement), I'd guess I'm making slightly more than you the last few years. Nvidia has been very, very, very good to me. But seriously, if you are actually picking individual stocks and making 20%.... 1. It wont continue 2. Don't change your strategy