These are unusual and unstable times. There are no easy low risk strategies that require little thought any more. Even being in cash bears unknown risks nowaday

These are unusual and unstable times. There are no easy low risk strategies that require little thought any more. Even being in cash bears unknown risks nowadays. So talk to the usual sources advised by other people, and find the place to park your capital that makes you happy. For now. Then put aside $50k. Use that $50k to learn to trade the market, and learn to read the market. Accept that you're going to lose it, and be happy that you have enough money to play with to trigger all the fight or flight reactions that you have to learn to overcome. It'll take you three years to wrap your head around it. It's a challenge. Aim to find a mix of the known low-risk trading strategies that can work for $5 million and for which 20%/year is more than reasonable. e.g. trading the ES opening gap. Everything else is either (a) trusting people and pot luck, or (b) not much better than a high interest back account, or (c) a lot riskier than it used to be given present geopolitics. If you want something done, you have to do it yourself.