Not to boast, but I have consistently done better retail investing on individual stock than my IRA well ever do. I divested from a couple funds they couldn't even beat inflation.
I've found www.chartgame.com quite illuminating in this regard. You can beat the average for "years" just randomly bashing buttons, but of course most of the time you don't.
Your comment doesn't make sense to me. Don't IRAs allow for investing in individual stocks...?