 index funds you can go to any large institutions website and start looking at like just using four or five index funds and calling it a day i think you are very close to being there i'd be interested in running it but on the other hand i also wouldn't like kill myself in terms of like i wouldn't certainly pay 20 grand to have somebody do this i think you can do this yourself how about that and then if you need help you can always get help all right i hope that helps