How to Partially Recharterize Roth IRA Conversion?
If you find yourself wanting to recharacterize some of your money, but not all of it. If all your investments are held in a single Roth IRA, unfortunately you can't do that.
However, if you create multiple Roth accounts — one for each of your investments. If you have 20 stocks, you'll need 20 Roth IRAs. If you have 10 mutual funds, you'll need 10 Roths.
Establishing separate Roth IRAs will grant you maximum flexibility to recharacterize a given asset if needed. But it will also exponentially increase your paperwork and record-keeping obligations, as well as increase your costs if you pay annual custodial fees for each IRA account.
So if you don't isolate each holding in a separate Roth IRA, you might later wish you had done so. And if you do, you might later wish you hadn't. It's a trade-off decision you have to make.