Two separate decisions
Contributing is a tax decision: it sets the deduction year. Investing is an investment decision: it concerns what the account holds. They are made separately and do not carry the same urgency.
What the deadline fixes
Only the ability to deduct the contribution against the previous tax year. After that day the contribution is still valid: it simply counts for the following year.
The deduction can wait
A contribution made today does not require claiming the deduction this year. You may carry it to a year when your marginal rate will be higher, which increases its value.
The rushing mistake
Putting money into an account without deciding what it holds leaves it sitting, sometimes for months. Contribute if the deduction justifies it, then take the time to decide the investment with a registered person.
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