<prompt> Human: I am 28 and have about 80,000 Ive inherited from my great aunt. I dont really need the money and would like to keep it invested indefinitely. I will almost certainly be putting the majority of it in low cost index funds, but Im not what the allocation within the funds should be US, international, large cap, etc.. I was thinking an 80 stock20 bond mix, but could be talked out of that. I would appreciate any suggestions. Thanks!Edit: Im not planning on using this for retirement. I will either use it for a major family emergency or just start donating a small percentage every year to charity.  <response>: If you dont want to manage it, Vanguard offers targeted retirement funds that are automatically rebalanced every year.One rule you can consider is your age in bonds percentage - so 28 in bonds. There are also lazy portofolio guides you can read: Lazy Portofolio 