<prompt> Human: My grandma died and left a 2 million dollar home to be split between 40 relatives. I want to give my mother my portion because I feel strongly about it. I dont need the money. My mother is 65 and I feel uncomfortable just giving her the money outright because shes pretty poor with handling money. What is the most tax efficient way to deal with this money? Should I keep it and let her just take money out of the account where it resides? Im obviously going to get taxed on receiving it, but I want to avoid double taxation by giving it to her outright. Is there a way to avoid this? One option is to just let it sit in a checking account and let her take money out of it. She doesnt need the money right now though shell get her share of the inheritance. If I do invest it, what is would be a recommended allocation of asset classes? Should I invest it all at once or over time i.e. dollar cost averaging? Im familiar enough with investing but what Im unsure about is this specific context: my mom is older so long-term investment i.e. 20 years or longer is out of the question. Im not sure what asset-classes would be best suitable for her.Id really love to hear from others that have been in a similar situation, but any insight is welcome. Thanks!---EDIT: Im not sure about the timeline. My mom is 65 and she has enough right now for the next 5-10 years. I should talk to my parents about what their financial situation is like but its safe to say that at minimum 5 years, in terms of a timeline for investment.  <response>: OP, one thing you should keep in mind is scammers. Alot of scammers target older people to steal their money. It works because their minds go with age or they are lonely I had an older family member scammed, not sure on the details. 