Hello. I posted a message a few weeks ago entitled "An Inheritance." Since then, I have done a lot of reading on this board, in magazines, and in The Bogleheads' Guide to Investing. After establishing a 6 month emergency fund and finishing the basement in my townhouse and adding a deck, I will have approximately $200K in liquid assests to invest.My investments will be in mostly taxable accounts as the offerings in my 403B employer plan are quite poor. I have scheduled a meeting with my Met Life rep to see if new life can be breathed into my stagnant portfolio and perhaps I will start making monthly contributions once again. I plan to retire from teaching in approximately fourteen years and have a moderate risk tolerance. I would like to try this investment formula:Start with an investment of $100K spread over several Vanguard funds with the following allocations: Total Stock Market Index Fund 60% ; Total Bond Market 20% ; Total International 10% ; REIT 10%.I will also start a Roth IRA before April 15th with $4000 and then add another $4000 later in the spring for the '06 tax year. I have read that any actively managed accounts should go into one's Roth IRA. Should any of the above mentioned Vanguard funds go into my Roth IRA? I was thinking about one of the Vanguard Life Strategy or Target retirement funds for my IRA.For the present, I thought I would put the rest of the liquid assests ($100K) on a 5.1% 12 month CD through my bank.I feel a bit more confident than I did a few weeks ago but the responsibility of wisely investing this money is still scary to me. Many thanks in advance for any suggestions. Tess
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