Portfolio Check · by Minji Kim · 2026-09-07
Inherited money and now I'm weirdly scared to invest it
44 years old. I received roughly 230k after a family death and it has been sitting in cash for months because I freeze every time I think about moving it. Existing portfolio before that was about 190k and looked like:
- 75% equity index funds
- 15% bonds
- 10% cash
Goal is regular retirement plus maybe helping my kids a bit later. Risk tolerance used to be medium-high. With inherited money it suddenly feels different, like making a mistake would be disrespectful somehow.
- 75% equity index funds
- 15% bonds
- 10% cash
Goal is regular retirement plus maybe helping my kids a bit later. Risk tolerance used to be medium-high. With inherited money it suddenly feels different, like making a mistake would be disrespectful somehow.
13 sparks · 5 comments