A few comments.If you have been successful with your investing so far having more cash to invest does not really change much. Your age and your situation will definite more the constraints.On average, individuals who manage their own retirement accounts take too little risk. They tend to be more in cash then they should be given where they are relative to retirement, etc. This has been studied a number of times. The issue has to do with risk tolerance and knowledge of investing.If the numbers make your nervous you need to work on it. As you get older you should continue to have more and more to invest. Hence the numbers will never get smaller if you are on target. Education will do a lot to help. If you can not grow into being more comfortable consider hiring someone to manage the funds.You have a pretty long time horizon to grow the funds. If you work back from what you would need to retire you might find that what you already half is rather small or behind the curve. That is another way to get comfortable about the numbers.John
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