Congress Limits IRA Recharacterizations
Which is better, Roth or regular?
If you are under 50, I would favor the Roth, because you have sufficient years for the account to build interest, which can then be withdrawn tax-free. If you are over 50, you should do the math to compare current vs future taxes. And, in any year the regular IRA contribution would be nondeductible due to income limits, or if the deduction is wasted due to net losses, the Roth is clearly a better choice.
So you choose Roth or regular, and you commit your money based on that choice.
Wait. Suppose, when you get around to preparing your tax return, you decide you made the wrong choice.