Already filed your taxes? There are no tax consequences if you contribute to a Roth IRA, so you can still contribute toward last year's contribution limits without amending your tax return.
|See Morningstar's full review here|
The minimum initial investment is $1000 and the additional investment limit is only $100, so you can put some money in now and set up automatic monthly investments for only a $3.33 a day. If $3.33 is still too steep, you can configure automatic investments to only occur every other month ($1.67/day) or once per quarter ($0.83).
Budget this - it's critically important.