Should I dump ABTYX, CSAIX, FIHBX, WACSX?

Investor summaryNeutral

Inherited IRA holder asks whether to sell underperforming mutual funds and reallocate to broad market and dividend ETFs like VOO and SCHD.

Bull points

Reallocating to low-cost, diversified ETFs like VOO and SCHD can improve long-term portfolio performance.
Dividend and value-focused ETFs align well with value investing principles.

Bear points

Selling existing funds locks in past losses.
Relying on Zacks ratings to sell might be flawed, as Reddit users note Zacks is not a good source for value investing.

VOO SCHD ABTYX红利收息价值 / 回购

Post body

I inherited a small IRA and am trying to improve performance. Among the holdings are ABTYX, CSAIX, FIHBX, and WACSX. All of them look shaky over the past 5 years. Zacks rated all of them as sell or strong sell, but Reddit has also advised me that Zacks is a bad info source for value investing. If I did sell these holdings, I would reinvest the cash in VOO / SCHD / DGRO, spiced with VXUS & BND. Worth it to cut my losses here?

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