re: Roth IRA Question

First thing you need to do is go ahead and just fund the account. The money will go into a money market account for 2013 so at least you got your contribution in.

From there you can research a bit more before you make a decision, but "waiting" or "timing" the market when you obviously know very little isn't going to do one iota of good for you.

You should just find the best investment vehicle for you, and then put money into it monthly or whatever reasonably even schedule you desire.