I'm 72. I must withdraw by law and pay tax. Not allowed by law to add to dollar cost average or start Roth. I can put withdrawals into a cash account if I want to pay even more taxes again when I withdraw from it. I was required in 2016 to withdraw $478 from IRA based on what's left. The effect reduced my bases over $10,000 of what I invested in NTEK. Hopefully NTEK goes up big time before Dec 31, 2017 so losses are not as much until my b/e of $1.75 per share is achieved.