Steady 4-5% on $5 million?
nkh: I say the following with great respect.  I do not know much about you or your circumstances, but I do share the same opinion of inherited wealth as a lot of great American business men.  For example:“The idea that you get a lifetime of privately funded food stamps based on coming out of the right womb strikes at my idea of fairness.”- Warren BuffettAnd more importantly.  “Great sums bequeathed often work more for the injury than the good of the recipients.”-Andrew CarnegieIn The Millionaire Next Door (1996), researchers Thomas Stanley and William Danko conclude that lifetime and testamentary family gifts are both a disincentive to work as well as a disincentive to save.   Their findings show that the more dollars adult children receive, the fewer they accumulate, while those who are given fewer dollars accumulate more.While you may just be looking to "keep the nest egg safe" with a 4-5% return.  I urge you not to drift into a life where you play it safe and do not contribute to society.While you should protect your money and not do anything foolish with it, don't let it ruin your opportunity you have. You are one of the luckiest people to ever live.  You have been given a lifetime of wealth at one of the most exciting times ever to be alive.  While 5 million may not be a lot compared to Paris Hilton, I assure you it can be good enough to fund something truly worthwhile.  Take Darwin for an example, or look at what Bill Gates is trying to do.So while I doubt one comment on HackerNews could ever change your mind if you are already "spoiled", I urge you to stay apart of the HN community (and other communities of ambitious "doers") and find a way to contribute to a project that could really help the world.