<prompt> Human: Hello PF,Ive decided to start an account for my mother where I put in at least 100 a month to give to her when shes no longer able to support herself. She is currently 52 but has no money saved for herself. What would be the best investment vehicle for a span of 10-13 years? I feel investing in stocks may not be the best for a decade and have been leaning more towards bonds. Should I put them into a blend of stocks and bonds? What percentage of both would you guys suggest for a 52 yr old? Any ideas are appreciated, thanks.  <response>: You could put it into a 2030 target date fund if you want a reasonable blend. But I think you need to consider what good giving her 20k is going to do; unless she is starting to save a huge portion of income for her retirement right now, that 20k might be better served going towards making sure youve got a room for her to move into... 