Question: is now a good time to contribute to roth?
Answer: A 33% gain would be pleasant, and a 33% tax-free gain would be more pleasant. A key rule of Roths: the time to fund a Roth is when the market is low. Roth IRAs are not subject to Required Minimum Distributions (RMDs), so you don't have to take distributions at age 72 (remember the changes brought on by the SECURE Act).