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It’s their money so it’s not yours to comment on unless they asked
Rising Star
Ha my response was moreso of the responses you'd receive from this bowl. Best advice is find your in laws a planner or some sort of retirement advisor. Otherwise you'll deal with them asking questions when their portfolio goes into the red for the first time.
Conversation Starter
Dude. Join the club. I know people the same way. They don't believe in equities at all.
Can you imagine how much that would be worth now if they've been doing this say for the past 35+ years? $1.5M+ TAX FREE! They could easily live another 20 to 30 years so I believe it would be worth to invest a portion, dependent on how much of it they need to use annually. I give investing advice to in laws all the time... he asks my opinion all the time. So nothing wrong with trying to help. At this age, I would give the standard boring answer of an S&P fund for it.
Rising Star
Lol, what’s the point of having money in a Roth account if it’s not invested? Just so you don’t touch it?