martyb
Thinks s/he gets paid by the post
OK, I'm ready to open a ROTH IRA with Vanguard. I have the money to fully fund for 2007, but with the current down trend in the stock market, I'm not sure if I should proceed or hold on just a bit to see if things get better. I don't have to act until the IRS tax deadline, which of course is April 15th. I was planning to invest my IRA in a Target Retirement fund, most likely the 2015 which will have at least a good slice of stocks along with the safer stuff. I figure not to touch the ROTH for 10 yrs, and I will be 50 tomorrow. So...should I hold on a little while, but do it before the tax deadline, or should I go ahead & do it now? This will be my first IRA, and since I max my TSP/401 I can only do a ROTH.