Great to hear you are able to have these kinds of decisions to make! Maximize return needs input * when do you plan to use the money? * what does maximize mean

Great to hear you are able to have these kinds of decisions to make! Maximize return needs input * when do you plan to use the money? * what does maximize mean to you (more money is not always what people mean: Examples maximize social good, maximize for long term use in a trust, etc)? * what are your goals? There are many other questions that could be asked. Recommend you hire a fee only financial planner. Also take a personal finance class to help you understand the different types of investments you have (cash, index funds, real estate, land, etc) and to learn how each type of investment is measured over time. Hope you find your path to your goals :)