the bulk of it will go into aggressive mutual funds, to start. i've looked over this more closely, and it's by far the best choice. over time, i may divest and reinvest in ways i've identified as better than the mutual funds, but i don't expect i'll beat the funds without a learning curve, first.

i think it would be stupid to, for example, just buy $10000 of amazon stocks and cross my fingers, but the money may get slowly taken out of the mutual funds and directly reinvested in stocks, so that i may end up with something like that in the end.

...but i'm going to do the research and make some oddball buys, too, and hope it works out, and i will actually do that first, not last.