IRA is investment until your retirement. A lot will happen by then. The classical advise is to devise a simple strategy (say age in bonds, 100-age in S&P500) an

IRA is investment until your retirement. A lot will happen by then. The classical advise is to devise a simple strategy (say age in bonds, 100-age in S&P500) and stick to it, contributing regularly. When downturn or upturn comes you rebalance to stick to you strategy.