<prompt> Human: I would like to invest my 5500 Roth IRA limit for the fiscal year, but I think the stock market is overvalued and will crash in 2-3 years. I have an account with Vanguard with about 15000 in VFIAX. Is it possible for me to put in my 5500 to Vanguard to get my contribution limit, but not do anything with it while I wait for the market to crash?  <response>: As bad of an idea as this is, yes you can just leave it in the money market settlement fund without investing it. 