How would you invest a 100k inheritance?

Ask the individual what he wants the $100k to perform as.

1. An income provider
2. An expense coverer
3. A capital appreciation asset

It could be all 3 pts above but does he or she knows how to do it bcos by getting answer here is the door way.

Without the key which is the planning, by going thru tt door will be regrettable when macro market is against everyone.

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The first step I would do would be to assess my needs.

1) Emergency funds?
2) Outstanding debts?
3) Immediate needs - need to buy house, renovation, wedding, kids etc. Whatever that will require loans or debts

And consider setting aside some money for it. Assuming 1-3 are already covered, I will consider whether your parents retirement funds are already covered. If they are not, then this will have to come out of your own future. cash flow. I will consider topping up their RA to at least FRS which will give them lifetime income via CPF LIFE and alleviate your future cash flow.

Assuming that is covered as well, then let's talk investment. Low to medium risk profile would suggest 50% SSB and 50% S-REITS ETF (Lions Philips S REITS ETF) for income and diversification

I'd place 50k in a globally diversified portfolio of actively managed funds with a fixed income allocation of between 40-60% due to the low/medium risk appetite if I don't need the money for the next 5 to 10 years or so.

The other 50k, I'll leverage on an annuity that'll give me 6.5% for life. This will give me my passive income as I'd reinvest the dividends and coupons in my fund portfolio.

This guy had the same issue with his en bloc proceeds from his parents, you may wish to check it out, the thought process should be quite similar. Cheers.

https://financialhorse.com/en-bloc-age25/