Forgot to add, for the unsophisticated, younger investor I would put it in a
low cost S&P 500 Index, Vanguard or Fidelity. The minimums might be an issue though.
Fact $500 invested in the S&P 500 index(exclusive of fees)on 1/1/75 was worth $9090 on 12/31/05. avg 10.91%/yr
Edit to add, this does not include dividends either
