No. of Recommendations: 3
Have you been to the Vanguard site yet? They have a section on getting a recommendation based on your input to some questions for establishing your risk profile. You can find it here:

After you answer the questions they come back with a recommendation of what Vanguard ETF would be appropriate.

More than likely you'll get a recommendation of (3) ETF's: (click <Get A Recommendation>).

Total Stock market: VTI
Total International: VXUS (no US stocks)
Total Bond Market: BND

The %age to invest in each will depend on your answers.

I agree you should put some in a CD or similar investment. Maybe $20K in a CD ladder. CD's of 1, 2, 3, 4 & 5 year duration with $4k each.

Invest the rest.

Disclosure: I have a Rollover IRA @ Vanguard and am very pleased with them.
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