<prompt> Human: Just wondering. EDIT: As a follow up question: My IRA is currently in a mutual fund I forget the name offhand, but theres a future date in the name...one of those retirement funds Fidelity offers with low fees that I am told is just fine for a guy like me.. Is it a good idea to keep investing in that fund, or pick another one? Its frustrating to me because I have a hard time understanding much of a difference between each mutual fund.  <response>: I think time in the market is the more important principle. But dont forget dollar cost averaging. Spreading the contributions out something like biweekly for a couple months isnt a bad play. 