<prompt> Human: So, it has come to that time of year when I am doing my taxes and I realize I have not made my annual IRA 5k contribution. Looking at the Vanguard 2050 fund, I see that the asset allocation is basically 90 stocks and 10 bonds. As the market is so high right now, I would feel kind of foolish sinking my 5K into the fund at this time. My question is two-fold I suppose. Should I care that I am putting so much into a fund at an inopportune time? Does that matter in such a long run? And should I try to explore putting the 5k into the bonds of the fund, rather than the stocks? Any advice would be appreciated. Thanks!  <response>: No, you should not time the market. As it rises over time, it will usually seem high. With such a small amount of money, it wont matter much anyway. 