<prompt> Human: I am the trustee for a trust that my children are the beneficiaries of. They wont receive the money for about 20 years, and I dont know what to do with it.Its currently sitting in a savings account I wanted to deposit the check so nothing happened to it but its roughly 475,000I dont want to put it into anything too risky considering its money for my children but I also dont want to lose out on the opportunity to give them significantly more by missing out on the interest.  <response>: Pay a professional for a plan. Do not pay a professional to manage it for an ongoing fee at least not on AUM, pay hourly. Just pay someone highly experienced and credentialed a few thousand dollars to look over your situation. Consider that over 20 years, compounding at 6, your children are looking at a return over over 1,000,000 thats in addition to the principal. Well worth a few thousand in professional non-Reddit help! 