<prompt> Human: Hi all,I had planned on investing in my Roth IRA for 2013 and 2014 - Ive been putting it off purely from procrastination, so I have 11,000 languishing in my savings account just waiting for it. My plan is to go through Vanguards Target Retirement Fund for 2055 Im 26. However, the stock market went a little sour, and my dad recommended waiting until it settled before investing the money. Is this a good idea? Will it make much of a difference? It would be kind of annoying for it to drop right after investing just because of my timing.Thanks for your help!  <response>: It would be kind of annoying for it to drop right after investing just because of my timing.Why? The minute you make an IRA contribution, that money is no longer yours. It belongs to future you, and future you doesnt give a shit that it dropped 1 the day after you made the initial investment because future you is a millionaire. 