There is no time too late or too early to bag up Bitcoins, either in fractions or in whole. The price of Bitcoin is on a continuous increase, that doesn't mean those who can't purchase full Bitcoin are not allowed to get in fractions. Bitcoin is like a big whale, washed out to the seas shore for anyone who is courageous enough to go forth and have a cut as much as they can carry, that is how I see Bitcoin. So, Bitcoin has no restriction to its buyers, as those that are rich, who can buy 1BTC, so is it free for those who has spare $20 to keep outside their daily, weekly or month expenses, as savings for the future.