Serious question:What should I do with my IRAs? I got out of the stock market entirely last summer,

[empedocles]

28. To Bama. [Good answers Heretic]. I use Vanguard and American Century for my

retirement accounts. I invest in T-bills. With a mutual fund company, I own the shares in my name, Am Cent manages the T-bill account. As Heretic pointed out, the mgr can go bankrupt but the shareholders still come out ok. T-bills are the safest, imo, for Capital
Preservation [which is the name of the AmCent fund I am in]. T-bills are guaranteed by the full faith and credit of the US Gov, not some insurance co, etc Those T-bills effectively greatly needed to finance the Gov, so its the last thing the Gov will limit, default on.

If inflation hits, T-bills will keep pace, as they did around 1980 when they yielded around 22% at a peak. If stocks keep going down, at some point you may switch some money into blue chip stocks for some rebound gains, as I will do. [That could be a surprisingly long wait].

Caution - investment advice abounds. Best to educate yourself [historically as well as the various options], as well as possible, and pick accordingly.