Is your retirement money in a Traditional or Roth plan?

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I think most people have their retirement plans in Traditional accounts, but there are quite a few that have converted theirs to a Roth or opened a Roth account. Right now I think the best way to go is a Traditional account. With a Traditional account, you don't pay taxes on the contributions that you make, they're deducted from your earnings before your tax is figured. But, when you take the money out - at retirement, when you're usually in a lower tax bracket - you pay the tax on it then, when you withdraw it. With this type of account, you will also pay the tax on what your money earns. With a Roth account, you pay the tax on the funds now, you don't get the tax break today. But, when you take the money out at retirement, you don't pay tax on it. When the market was good and people were getting a lot of gains on their accounts this was very appealing because it meant that you didn't have to pay tax on what your money earned. But now with everyone losing money this type of plan really doesn't make sense. Unfortunately, the IRS only allows you to move your money from one type to the other a limited amount of times. You can have both accounts at the same time and I think that's what people are doing now and putting the money in the account that will benefit them the best at the time. So, which type of retirement account do you have?