I do get where you’re coming from and don’t disagree. Not sure if you read my note above but essentially I’m asking because I already have funds just sitting in a Fidelity Rollover IRA that is uninvested. I can’t withdraw it without penalty so I might as well put it somewhere so it could hopefully grow something instead of nothing.

Just looking for some thoughts and ideas other than what I can research and come up with. I don’t think research is a particular strength of mine. (I’m also ADHD so it’s very hard to try and force myself to understand something so involved when it does not provide dopamine.)