I have 9 years until I retire. I just sold my business and now have $490K (after taxes) that I transferred all into fidelity sitting in a money market fund called SPAXX, currently yielding 3.96%. I’m not good with investing. Most of the money I made, I used it to pay off my condo, now worth ~$650K (no mortgage). I have about $105K sitting in an HYSA account yielding 3.8% for emergencies and life expenses. I sold my business because it was too stressful and was running into some health problems. I plan to look for a simple job just to cover my annual expenses (around ~35K). I also have half-ownership to a single family house with my sister. It’s currently worth 1.2M (also no mortgage). We cannot sell it until 15 years later because it’s being rented out to a family member that plans to leave the country once there kids are finished with college. I’m assuming after 15 years, the house will be worth a lot more than that since it’s in a good area. So, once we sell off the property, I can take half of what it was sold for. I also have a paid off 2019 rav4 hybrid and no debts. I would like to take a year off and do some traveling before I find a job. How should I invest the $490K? I read a lot of posts on Reddit and it seems like the popular opinions is to go with a broad index ETF, dividend ETFs and bonds. I see things like VTI, VOO, SCHD, JEPI and BND.