For long term, consider bonds over cash Q. I am 50 years old, employed at a good job, and have about \$2 million of investments, of which \$1.1 million is in cash equivalents. I have two kids, one of whom has \$150,000 in a Uniform Transfers to Minors account; the other has \$15,000. I am completely lost in terms of what to do. I have always been ...