<prompt> Human: Hey I just found out that I am inheriting just under 500,000 and want to invest it to maximize its value in 25-30 years. I am almost done with college and have no interest in touching the money for a few decades. I am a rather simplistic person and dont believe spending the money will make me any happier, so it is my hope to invest it for a few decades and then use it to do some good for people who need it. I almost done with my degree in Entrepreneurship Non-profit management so I figure by the time Im 40-50 i will have a much better idea of how to do that. I currently have the money split 5050 between stock and bond indices. I have been told that since I am so young I should move more of it into stocks. Any suggestions on what sort of plan i should have. I recently bought a few investment books but i want to hear what reddit thinks? Any suggestions are appreciated.  <response>: Honestly, I think you have it pretty well figured out already. You do not need to put more in stocks because you simply dont need to be as aggressive as other people your age. You fortunately already have a huge nest egg, and it makes some sense to not be willing to put it at as much risk as someone else your age who has 10,000 and their paycheck contributions still dwarf the impact of market fluctuations on their portfolio.Definitely do plenty of reading, but dont rush to make any changes. A 5050 portfolio for life even if you didnt have this big inheritance is a very effective plan and there is lots of theory and data to back that up -- so much so, that 5050 is often used as a sort of default or vanilla portfolio when running investment simulations. Simplicity is the ultimate sophistication.If its in a taxable account, you might want to look at tax-efficient bond options. Read up here If its all in an IRA then disregard that. 