Greetings. Looking for advice on the best way  to secure the current balance in an inherited Roth IRA account, where the balance of the account has to be fully withdrawn in 6 years. There are no tax issues here because it’s a Roth IRA, just the concern that if the market drops a lot I won’t have enough time to build the balance back in 6 years.

Currently, the inherited Roth IRA is invested in mutual index funds, stocks with a 5 risk factor (no bonds). I’m thinking of moving these funds to be more conservative over these 6 years before it has to be withdrawn, sheltering it from any market drop where 6 years may not be enough time to build the balance back up. So, moving from stocks to treasuries or a mutual bond index fund or ETF.

Any advice on going conservative using either Treasury Notes or TIPS –vs investing the balance into an index mutual bond fund or ETF?  This move to bonds will also allow me to balance out my overall portfolio, as a rebalancing move, something I need to do anyway.

I’m a stay-the-course type investor, and understand a Roth is a good place for growth or value equities, but the uncertainty moving forward has me thinking about focusing on maintaining the balance I have in the account vs living through a sequence of returns scenario over the next 6 years when the account has to be fully cashed out. Thank you!