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retirement & asset allocation of $30k for 30 year old single guy
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if you want to invest in stocks, bonds and mutual funds i would suggest you take a portion of your inheritance and use it to learn how to invest in this asset class wisely. take courses on investing and trading (two different things) in paper assets and start trading on a fantasy exchange to test and hone your investment skills before risking any of your money. personally i don't find bonds to have a meaningful rate of return and i prefer stocks that have a dividend over those that don't. parking some of your money in an ira is a good strategy for when you do not see opportunities to purchase cashflow-positive assets right away; this allows you to wait and deploy your capital when the opportunity presents itself and to educate yourself on what a good opportunity looks like.
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