It is tied to stock.
Since the Standard & Poor's 500 Index of large company stocks has gained more than 14% from the beginning of this year through October 31, and your inherited IRA invested in stocks has not gained, then it would appear you have a problem either with your investment strategy, costs, luck, or all of these factors. I suggest you consult a qualified, independent, fee-based financial advisor to evaluate your portfolio and recommend improvements.
Because of regulatory constraints, I am not allowed to give specific investment advice in this forum. With that said, like David, I would suggest that you search on www.fpanet.org or www.cfp.net to find a CFP(R) professional in your area. Take the time to interview two or three in order to find the best fit for your personality. You can learn about each planner's investment philosophy, approach and fees to choose the one that is best for your situation. Most planners will meet initially with a prospect without charging. Good luck to you!