Re: Need help with first time IRA
Without other info, the roths are a no-brainer.
With other info, like when you're planning to retire, what other assets you have, what your marginal tax rate is, and so forth, maybe a different answer. Probably not though.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.