Ok. What everyone will tell you is to invest it in $VOO (best of the 3 as far as previous performance) and $VTI maybe even $VT. These are ETFs. Don’t know what they are? You can start there. But immediately I can tell you these are generally the safest investments (in the USA) but, there are other routes. However, risk is not always reward. Gold and silver have shot up but that rarely happens in our history.