<prompt> Human: My two young kids, 3 and 1 years, inherited 25k. Im looking for suggestions on investments. I dont want to do anything high risk with the money, but I also dont want it to lose a bunch of value due to inflation. I expect them to start using some of this money in their teens so I need a 10 to 15 yeah plan for this money.Assistant: From an investment perspective, you just cant beat a diversified equity portfolio on a long timeline like that. Markets certainly have short-term volatility and business cycles, but on a decade timeline, thats where youll see the best return. I would research some broad market ETFs that have performed well over the last decade and pick 4-5. You didnt ask, but... Will they need this money in their teens, or just start using it then because thats a date youve picked for them to access it? Do you plan to have college savings for them outside of this money? In your place I would not give it to them in their teens if its not necessary. Imagine being able to say hey I invested your inheritance from when you were a baby, now its worth ___, congrats you have a head start on retirementdown paymentno college debt. So much more meaningful to your kids lives than here you go, dont spend it all on your first car. Human: Im not just going to give them a check and tell them to have fun, but Im also not going to lock the money away until some arbitrary age.  <response>: No idea why youd want to give teenage kids a large sum of money which is almost certainly only going to reinforce bad fiscal habits.You need to put this away, potentially for something like college, and not even tell them it exists. They dont need to know about it. 