FGDL
Franklin Responsibly Sourced Gold ETF
stock NYSE ETF

Have an inherited IRA BDA with $16,000 consisting of in ROK, RTX, CARR, OTIS, SWKS, etc (see pic) from which I have starting taking RMDs by slowly selling those stocks and putting the funds into the Roth IRA ETFs, (VOO, VXUS, IJR, FGDL(Franklin Templeton...,SCHD,) which now has a value of $5,738. I bought all these and distributed them based on my research from various sources, including Reddit😁 to be well diversified and with low expense ratios.
I will be out of the country for an undetermined amount of time so I won't be able to have a US income and contribute to the Roth, which has all ETFs set for DRIP. I could sell all the BDA now and put it into the ROTH before I leave in a couple months and not max out on contributions. I started way too late with the Roth, I know. All I have in life is that 16k BDA and the 5,735 Roth, plus another $5,000 from a 403(b) that I will have to do something with as leaving it in Corebridge will get eaten by fees. This is is all I have in savings, for retirement and for kids. If I understood options trading and had a bit to gamble with I would, but I can't do that.
Productive comments, opinions, tax management ideas, etc on my "late to the party" 58 yo, situation are appreciated. I worry extensively about retirement and my kids' future. I DON'T own a home, and only have a car. Thought about purchasing a cheap apt for an asset and renting it. Overwhelmed. Thanks.

Have an inherited IRA BDA with $16,000 consisting of in ROK, RTX, CARR, OTIS, SWKS, etc (see pic) from which I have starting taking RMDs by slowly selling those stocks and putting the funds into the Roth IRA ETFs, (VOO, VXUS, IJR, FGDL(Franklin Templeton...,SCHD,) which now has a value of $5,738. I bought all these and distributed them based on my research from various sources, including Reddit😁 to be well diversified and with low expense ratios.
I will be out of the country for an undetermined amount of time so I won't be able to have a US income and contribute to the Roth, which has all ETFs set for DRIP. I could sell all the BDA now and put it into the ROTH before I leave in a couple months and not max out on contributions. I started way too late with the Roth, I know. All I have in life is that 16k BDA and the 5,735 Roth, plus another $5,000 from a 403(b) that I will have to do something with as leaving it in Corebridge will get eaten by fees. This is is all I have in savings, for retirement and for kids. If I understood options trading and had a bit to gamble with I would, but I can't do that.
Productive comments, opinions, tax management ideas, etc on my "late to the party" 58 yo, situation are appreciated. I worry extensively about retirement and my kids' future. I DON'T own a home, and only have a car. Thought about purchasing a cheap apt for an asset and renting it. Overwhelmed. Thanks.