I'll wait, T will go lower.
IRAs are subject to government rules and regulations. I wouldn't trust them with my investments. The only advantage is a tax deduction when you put your money in and then you are stuck with what ever rule changes the government wants to make.
if that is how you feel then why dont you change it to a roth? its simple.
Minus fees, minus taxes you will pay when you can least afford them. But, the fund managers, market makers, and exchanges get their money, get paid, today. IRA's--great for the government.