Like Kelt said, NOW is the time to open a new ROTH

Like Kelt said, NOW is the time to open a new ROTH or roll over a normal IRA (or a part of a normal IRA) into a ROTH as you pay based on the value of the stock and at .69 you can roll over a lot of shares for next to little increased taxes. Bite the bullet now, you should have funds to cover the increased taxes by the end of the year by selling some shares still in your cash acct., and you make out like a bandit. Note there is a limit on current income to be able to open a ROTH.

I have 2/3 of my holdings in a ROTH and the way it looks like IPIX is going I doubt my wife and I will ever have to touch those funds for our own use during our lifetime.

If you are under 60, do it NOW as you can't take out any profits for the first 5 years though you can withdraw tax free any funds you put into the ROTH at any time.