<prompt> Human: Hello all! Hoping for some help with a situation that I dont feel all too equipped to handle.x200B;I was recently handed full access to an investment portfolio that my parents have been keeping for me for some time without me knowing. The account totals about 900,000, and is fully in a Charles Schwab Intelligent Portfolio. Obviously this is thrilling, but god damn I have no idea what to do now. I am 24 years old, currently finishing up my Masters in Teaching, with plans to start working full time next year. I work part time for now, earning about 30kyear, but all of my school expenses are paid for via scholarship and 529 funds. No student loans, just a car payment and rent.What should I do with these funds? Just leave them in that account forever? Should I open a traditional or Roth IRA and max them out using the portfolio? Take them out of Schwab? Any help or recommendations on further reading would be hugely appreciated!  <response>: I was recently handed full access to an investment portfolio that my parents have been keeping for me for some time without me knowing. Is it in your name? If it is, have you been filing taxes with any dividends and capital gains generated it by it? Should I open a traditional or Roth IRA and max them out using the portfolio? You can only put 5.5kyear into any combination of IRAs. Of course taking advantage of tax-advantaged accounts is a good plan, but you obviously cannot move all of this money over.Do you have a workplace retirement account?is fully in a Charles Schwab Intelligent Portfolio. What are the particular investments it is in?And what were your parents intentions in providing you with this money? Did they ask that you use it for something in particular? Did they tell you their reasons? 