So I just opened my Roth IRA at Vanguard and transferred all of my old Roth assets from another bank into their Target Date 2045 fund. However, with the market down like it is, so far all I've done is lose $200. I have not yet made any 2015 contributions to my Roth, but I have the money. Should I go ahead and put it all in now, the whole $5500, or wait a little later in the year and see if the market comes back up? Or...does it matter?
Just thought I'd see what you more seasoned investors thought.