You can make the 2013 contribution to your ROTH at
Post# of 72447
You can make the 2013 contribution to your ROTH at the start of the year and if CTIX gets bought out or your investments cause your MAGI (modified adjusted gross income) to exceed the limit (for couples filing jointly for 2011 it was $ 169-179K) you can always remove the contributions, pay taxes on the excess you put in and any accrued earnings, and thus be back in the IRS good graces.
It wouldn't be that much as you are only talking contributions for 2013 max of $12K per couple. If you bought CTIX stock with it, you would have made enough to pay the taxes and penalties and still be ahead even if your allowed contribution went to 0.
That is why I gave our kids funds for CTIX investment in late NOV that had to be deposited into a ROTH. They will realize the value of it in years to come. One son-in-law picked up the value of it right away and is depositing a full ROTH allotment of his own come 1/2/13.
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