Firstly, recognise that there is no way investments come without risk. Investments without any risk involved are called scams. Even banks go bust - Lehman Brothers. Lehman was the fourth-largest U.S. investment bank at the time of its collapse, with 25,000 employees worldwide (Nick, 2017). Get that clear and out of the way first because thats how people fall into scams when they hear a "no risk" investment. If you really want no risk, leave the money in the bank. SDIC covers per person up to $50,000 per bank, so you might want to diversify. The next option try Singapore Savings Bond, Maximum individual holding: $100,000 according to their website. Its backed by the government. Again, there's risk, however its from a government with AAA credit rating. So, again, are you alright with the risk? Just like what Elsa said, you might be better off with a fund manager or financial advisor instead of asking a community. However just be aware and learn some of these phrases like when can institutions use "Capital Guaranteed" or "Protected" etc. So you won't fall prey to people trying to use you for their own gains. Lastly, you are fortunate with this inheritance, do some charity work, it's happiness is what money cannot give you.