I'll be moving about $15k to my fidelity account next week, of which $6.5k will go to my traditional IRA account leaving me with about $8k in the IRA account. I can't decided if I should put the $8k in SPAXX and wait for the eventual market crash before going all in SCHD or if I should buy a little every month. I'm also worried that if the govt default thing picks up steam SPAXX might hit the shitter and be worth a lot less over time?

Of the remaining $8.5K I can't determine if I should put in in SPAXX or one of the federal tax free municipal bonds (while waiting for the market to crash) or just put it all in FZROX?

I'm in no rush to make money off this investment, rather looking to making the best long term decision (~20 years horizon). Any advice or recommendation would be much appreciated! TIA