Mrs. Ruffles has a fairly small (<$7.5k) inherited IRA at Fido from which she has to take an even smaller RMD (at least in the years when they’re required). Except for the RMDs, it hasn’t been touched since she inherited it and is all in FMAGX (probably originally from the Peter Lynch era). I’d like to move it into one fund that won’t have such massive potential drawdowns. With this size, I don’t think it’s worth working with too many moving parts though I’ve put three years of RMD money into a cash equivalent.
I’ve been considering JABAX, BALFX, VLAAX which are all NTF at Fido. Any comments or other suggestions?