<prompt> Human: First time posting; I apologize for any errors. I will soon be inheriting between 100,000 and 200,000. I am terrified of investments that are not guaranteed, however I do have a 401k from my current employer and a Roth IRA from a previous employer. My daughters college fund is currently in CDs. Should I continue to invest in CDs or is there a better option that is still safe? I would like to keep a small amount 20,000 available for an emergency fund. The rest I would like to use for my retirement and my daughters college fund. Any suggestions are welcome.  <response>: You need to learn more about investing so you stop being terrified. Youre crippling your and your familys financial future. Start with reading the automod links specifically I Have X, and also start with and the links from there. 