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Thanks for the input.

Just for your information, the other half of the IRA is 25% each of IWM, IWR and IVV. The other 12% is RWR, EFE and ANDRE with a few individual stocks thrown in.
The professional manager has a very diversified portfolio.

I could/would follow the MF rule breakers lists but I do not want to make this a full time job/hobby.

While this is quite a bit of money, it is not the rent or food money.
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