<prompt> Human: Heres my background. I have no debt remaining. My employer has an insane 401k match. I am putting in 6 and that is matched with 9.I have a three month emergency fund in place. My HSA is on pace to be maxed out by the end of 2017. I believe my income will be higher Im in my twenties in the future so I think I should do a Roth IRA. I have 5,500 that I could deposit all at once or in several pieces. My concern is that I believe the entire US financial system is headed for a downturn. Nothing like The Great Recession, but if this is the case should I still contribute to a Roth IRA? If so, what is a good one to weather the storm? I dont want to put in 5,500 and then lose 10 of its value.  <response>: My concern is that I believe the entire US financial system is headed for a downturn.You have no information to justify that concern. The human who can time the market has not been born yet. I dont want to put in 5,500 and then lose 10 of its value. Who cares. You are in your 20s. You have DECADES to recover in the event of a downturn 