I just had a talk with my dad and found out he’s just been putting money in CDs and has never invested or had a 401k. I don’t even want to know what his plan for retirement is or what my mom has. I guess he opened a Roth but didn’t know he had to actively invest the money in it. Honestly I’m really scared for their retirement and if they will ever retire. I told him I would help and my suggestion is doing 50/50 into VT and SGOV since he probably should not have that much risk. What suggestions would you guys make?