put x% (10<x<50) of it into counter moving assets like gold, oil, energy, etc. this acts as a safety valve for major calamities. a financial adviser probably

put x% (10<x<50) of it into counter moving assets like gold, oil, energy, etc. this acts as a safety valve for major calamities. a financial adviser probably won't help you with this too much. you have to decide how paranoid you are. split the rest between investments of various risk depending on how much risk you are comfortable with. a financial adviser will help with this.