Usaa retirement plan

I am 25 with Roth IRA of only $750ish currently. I only add like $50/month to it. It's through my bank, USAA, called cornerstone strategy fund(moderate risk). I don't know much about investing, but should I actually be putting more money into it(since poor market)? I also have a mutual fund for emergency savings purposes with like $3K(low risk). I add $100/month to it. I also add $150/month into ING savings account with 2.5% rate return(only $500 in it now). How does my savings and retirement plan need improvement? The only debt I have is $15K on my Civic. The rest are regular bills like rent, cell phone, etc.