Do this: Turn things over to a robo adviser.
It’s an online, automated wealth-management service that will do the investing for you. “Robo advisers make it easy to open a standard brokerage account and invest your money into their predetermined portfolios,” says Castro. She recommends some human interaction, at least in the beginning. Consider hiring a certified financial planner to help you set up everything and settle on an overall investment strategy, she says. Some robo advisers, like Ellevest, Betterment, and Wealthfront, offer financial planning with their service.