: Is it possible to allocate pre-tax money to a specific stock? Are there any programs that let me put pre-tax money into an account where I can allocate money into stocks instead of funds?

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Whether an investment is pre-tax is determined by the type of account (i.e., tax-advantaged vs ordinary taxable account), but whether you can invest in individual stocks is determined by the provider (i.e., the particular bank where you have the account). These are orthogonal choices. If you want to invest in individual stocks, you need to look for a bank that offers an IRA/401k/other tax-advantaged account and allows you to invest in individual stocks with it. For example, this page suggests that Fidelity would let you do that. Obviously you should look into various providers yourself to find one that offers the mix of features you want.