I have yet to make an IRA contribution for 2017. I'm a little worried about buying ETFs right now since I feel like there could be a crash but I've heard it's not good to time the market. Would something like LendingClub be better? It gets taxed as income but since this is an IRA, I would be fine. I feel like p2p lending would be hit be a downturn as well though. Any suggestions?