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I'm looking for some financial advice on what to do with approximately $100,000 sitting in an inherited/beneficiary 401(k) account through Merrill Lynch.

The account isn't really generating much in the way of returns, and from what I understand, I can withdraw the money without an early withdrawal penalty.

I'm trying to figure out what the smartest move would be rather than just letting the money sit there.

Some options I've been considering:

Leave it in the inherited 401(k) and change the investment allocations.

Withdraw the money and invest it elsewhere, such as a brokerage account or index funds.

Move it into another eligible inherited retirement account, if that's an option.

I'm not looking to blow the money or make risky investments.…