While it did feel a little scary to do so, knowing the value could drop drastically by the end of the day, I did just throw $1,000 of tax refund money into my retirement account today. I still have a 30 year horizon on that, so I know I will come out ahead in the end, and if I didn't think that was the case, I shouldn't even have a retirement fund invested in the market no matter what the market was currently doing, so...