[Kaeser]

I recently came into a large sum of money and I'm looking for investment advice.

I'll be looking to invest ~6.8MIL for myself intending to live off of the income while I attend college. I'm looking for low risk options that still offer a decent return. A friend suggested a bank bond that returns 4% after 15 months. Is that viable for this amount of money?

Also I'll be investing 5MIL for a friend. She works as a showgirl in vegas so she doesn't need any of the money for expenses and would like to return all gains back into her capital. Any advice is appreciated.

I have absolutely no experience investing any amount of money so please be gentle. Small words, like your talking to a baby.