You still have time to put money into your IRA or Roth IRA for 2012. Yes, you read that right. You can still make a contribution to your retirement account for last year. The deadline is April 15, 2013. This is the same deadline the IRS gives you to file your taxes.
It isn't too late to open an account either. Many mutual fund companies allow you to open an account online and have your contribution withdrawn from your bank account. You could even put the initial investment into a cash reserves or money market account, until you decide where you really want to invest the money.
Time to get your retirement investment started. You can do this!!