IMHO,
I think you need to be out of debt first(if you aren't already), then consider the dollar amount of the IRA and what portion of your portfolio this is. If it's everything you have, then maybe peel a bit away, but not all of it. I agree with most of the posts that say taxes will most likely go up. In addition I think we will have a larger inflation rate over then next 20yrs. and we will probably be required to put a portion of our retirement accounts in government guaranteed bonds/securities. This doesn't mean the markets will melt down, our markets are resilient and will find a way to survive regardless of government debt levels and inflation, even if that means moving their operations to more friendly countires. I pick good companies, with good products, good earnings and good dividends and a long track record(this doesn't mean they'll all succeed, but I believe a majority of them will).
Personally I have continued to contribute to my tax deferred accounts, but instead of increasing the amount of my contributions to the tax deferred accounts over the past few years I have started investing in taxable mutual funds and saving cash, purchasing silver, firearms, ammo, preps(food, water, canning and dehydrating equipment, power generation equipment, power and hand tools, medical supplies, fuel, etc.). Essentially my family and I are saving up hard goods and assets to become more self sufficient/self reliant I don't know if we'll see something like the great depression, but we'll do our best if we do.
I should add, we have joined a local CERT team, worked on getting more training(HAM radio, chainsaw classes, firearms safety classes) even on things I think I already know about(amazing what we can learn). Preparedness isn't just stuff, though stuff helps, knowing how to use your "stuff" means more to survival than a pile of gold or a bunch of mutual funds. You seem to have most of this covered already, which is awesome.
So in essence for my family we have diversified, not only investments but our life and lifestyle which has really improved our survivability and reduced our stress levels about what we see going on around us.
Luck to you no matter what you choose.
I think you need to be out of debt first(if you aren't already), then consider the dollar amount of the IRA and what portion of your portfolio this is. If it's everything you have, then maybe peel a bit away, but not all of it. I agree with most of the posts that say taxes will most likely go up. In addition I think we will have a larger inflation rate over then next 20yrs. and we will probably be required to put a portion of our retirement accounts in government guaranteed bonds/securities. This doesn't mean the markets will melt down, our markets are resilient and will find a way to survive regardless of government debt levels and inflation, even if that means moving their operations to more friendly countires. I pick good companies, with good products, good earnings and good dividends and a long track record(this doesn't mean they'll all succeed, but I believe a majority of them will).
Personally I have continued to contribute to my tax deferred accounts, but instead of increasing the amount of my contributions to the tax deferred accounts over the past few years I have started investing in taxable mutual funds and saving cash, purchasing silver, firearms, ammo, preps(food, water, canning and dehydrating equipment, power generation equipment, power and hand tools, medical supplies, fuel, etc.). Essentially my family and I are saving up hard goods and assets to become more self sufficient/self reliant I don't know if we'll see something like the great depression, but we'll do our best if we do.
I should add, we have joined a local CERT team, worked on getting more training(HAM radio, chainsaw classes, firearms safety classes) even on things I think I already know about(amazing what we can learn). Preparedness isn't just stuff, though stuff helps, knowing how to use your "stuff" means more to survival than a pile of gold or a bunch of mutual funds. You seem to have most of this covered already, which is awesome.
So in essence for my family we have diversified, not only investments but our life and lifestyle which has really improved our survivability and reduced our stress levels about what we see going on around us.
Luck to you no matter what you choose.
time for another one :wine: while I ponder :smash: 
this over 
for awhile
