I've had pfizer in my IRA for a few years now, mostly b/c of the dividend reinvestment (I love dividends). It hasn't been a great stock, really, but it's a decent enough longterm stock that I'm not worried about it either. (Just a random note, but my wife has held Coke in her IRA for a five years now and man, does that dividend reinvestment work). I'm way over exposed to big banks (WFC, USB) which hurt a bit although the little I have in tech (MSFT, ROKU) this year offset that. We now have a pretty big cash pile - roughly 20% of our holdings - so we will probably make a few big buys in a while. I'm sure one will be a conservative index fund but I'm not sure about the other. We don't own Apple or Amazon, for instance, but danged if I can figure out if this is a good jump in point. A week ago, I was ready to jump in on MC but I waited too long.