I just rolled over 111k from my husbands 401k plan into a Vanguard traditional IRA and placed this in a Money Market account temporarily until we decide how we want to have this invested. I am still working and we don't anticipate tapping into this for a couple of years to purchase special items if needed. I am a bit paranoid on what funds to invest in as I don't want to risk his base funds in what I view a volatile market, but I would like to see him make at least 3-4% each year. I have been looking at some of the index funds, but not sure of when I should roll this over, in terms of timing. My husband told me to do what I wish with this account and I'd like to solicit your input on suggested stable funds that may return at least 3% or better annually.