Buy some now, but hold some cash to buy more shares on a possible dip. The stock price fluctuates. But now is not too late to get in. Within 2 years Citi should be around $10 per share according to many analysts.
It has worldwide exposure. Bank situations are improving in general. Citi in particular has met or exceeded estimates the last two quarters. CEO is committed to getting Citi back on the right track. Of the big banks that survived Citi is the only one sitting at the current PPS level.
They aren't going anywhere and once this financial mess is in the past I would expect the price to, at a minimum, triple from here. JMHO.
I plan on holding until 2012 or until the price hits double digits, which it will. GL