re: What to do with half mill?

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This pot of money is strictly to be passed on to heirs. They have living expenses covered in their checking account. No recurring debt. They don't do much other than trips to doctor appointments. Don't eat out much.

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In that case, land and or blue chip dividend stocks. No sense in pissing away growth. The risk is nil in the long term. Make sure dividends are reinvested. You are losing money to inflation otherwise.