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I have suddenly fallen into a situation in which:
(1)I now have a $220K lump sum with which to invest...$100k in cash and $120K in Vanguard's Index 500 fund.
(2)I will be earning enough money each year to place me in the highest tax bracket.

With my increased monthly income I plan to fund my kids' college expenses and some sort of inheritance, but what should I do with the $220K that I don't plan on needing for 20 years?

I've read the "13 Steps","The MFIG", and most everything else at the Fool. I understand the balance between the F4, small caps, large caps, and shorts that Tom and Dave recommend, but the reality is that I am in graduate school and won't have the time to spend more than a couple hours each month poring over my investments.

So, you Fools out there, what kind of mix do you recommend?

(1) Should I leave the $120K in the index fund and just F4 the $100K in cash?
(2) Should I F4 all the cash and even dip into the index fund for a heavier investment in the F4?
(3) Should I take some of the index fund money and place it in "Spiders"?
(4) Some other twist?

Thanks much.
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