<prompt> Human: I just turned 75, single, no kids. Ive never had serious money. The one time I had a nice chunk of money was in 2006 when I sold my jointly owned house and netted about 80K which quickly evaporated in the 2008 market dive. I live as an ex-pat in So. East Asia and my monthly expenses are ridiculously low: housing utilitiesTVInternet under 450mo. Add food, entertainment, travel and general living expenses and my combined SSIVA pension of 1400.00mo more than covers it, usually with a little left over.I recently discovered that I was a 2537; beneficiary of a family trust that was being dissolved and distributed. The trust was invested in mutual funds and some treasuries. I elected to take my share in assets rather than cash to avoid a substantial capital gain liability. These assets were transferred to my brokerage account yesterday: 250,000 in fund shares and 20,000 cash from non-transferable assets.I have always lived a fairly moderate lifestyle and dont see that changing a lot: no new red sports cars, no lavish dinners, no holidays in Macao. I do hope to travel to a few bucket list places and maybe a cruise or two. My health is excellent. I am covered in the US by both VA and Medicare but no insurance where I live in Asia...impossible to get at age 75.I do have a brokerfinancial adviser but fully realize that he is not impartial. My investment goals are pretty simple: preservation of capital and take whatever income I can realize. I have no direct heirs so I dont mind spending the amount down a bit.I cant say Im seeking hard advice. I am trying to understand what my options are and what riskreward the various options carry.I would very much appreciate any thoughts, suggestions and observations readers on this sub. wish to contribute.  <response>: Youve probably thought of this already but Ill state it anyway: you should make sure you reexamine your will. Hopefully you still have lots of good years ahead of you, but in case the worst happens you should consider who would be your beneficiaries. Family members? Good friends? And you may have enough now to leave some to charities that have meaning to you and still leave your beneficiaries something. 