>>60840822
My opinion is you need to choose something more aggressive for your IRA’s. You’re young and in your prime earning years. Your IRA’s will have about fifty years to recover from any market retardation. Expect to go through at least two crashes. I see the YTD return is about 8% so with inflation you won’t see much gains when you start to withdraw. What you currently chose would be better when you’re in the wealth preservation stage of your life. I hope this helps a bit.