Hi All. January 2 the window opens to make my 2026 Roth IRA contribution. The max amount I could contribute is $7,500. The window closes April 15 2027. I am leaning towards investing the $7,500 all into VXUS to diversify. Option #1 is to invest the full amount on January 2. Option #2 is to wait to see if the price of fund drops in say March 2026 and then buy into the fund. (Of course the price of the fund might not drop). Currently the $7,500 is sitting in an online bank account earning 3.7% interest. Any advice on whether to buy now or wait a little bit to see what happens to the market. Thank you in advance.