<prompt> Human: Hi All,My parents 55 and 52 have been lucky, been good with money thanks to this subreddit, and are trying to plan their last 10 years before they retire. Since there isnt a 55-65 button on the sidebar, I figured Id post directly. Because of my dads work, they recently moved, sold their house in a high COL area SFLA, and moved to a low COL area SC. When it was all said and done, they roughly have 500K sitting in their credit union savings account after paying off their new house.Key stats:1 100 Debt-free. Might have to buy a new car in 5-7 years, but itll likely be a cheap 35K Honda CRV.2 Dad makes 150K. Mom is stay-at-home so 150k total.3 COL is cheap in the new place. Idk what their monthly expenses are but its not a lot. They mainly cook at home plus they have the cord cutter basics - Netflix, Hulu, Amazon Prime, internet, etc...4 Retirement is good, theyve been contributing to their Roth IRA for a while, very small pension expected when my dad retires, and well-funded 401kQuestion - What should they do with that 500K?Goals in 10 years:1 Dad wants to retire at 652 Theyre pretty risk-adverse as they are afraid of losing the 500K so putting it all on Bitcoin isnt an option lol3 Eventually they want to sell their low COL house and buy an apartment to be close to my sister and I. I expect roughly 350K from that house, and I imagine all of that money would go towards an apartment here4 I think they prefer that 500K to be somewhat liquid. Perhaps they can be convinced otherwise, but buying a property to rent out isnt really something they are consideringRight now, all I can come up with is to put that 500K in a high yield savings account conservative, liquid, and safe but that sounds really stupid... Is there anyone with better advice or perspective?  <response>: Go for a very conservative ETF portfolio?50k CDsHISA, 200k bonds, 150k USA ETF, 100k global ETF. 