Hi, I used to be much more active in the Personal Finance Forum, but don't check as often now. But noticed the title, and opened it up.
I may be mistaken, but it sounds like you do not have a lot of personal experience with investing/protecting money.
Some quick comments, that may be helpful.
- What do you think "tucked away" to provide for future generations means? And how is that different than "investing".
- If you tuck the funds away in "safe" places where you perceive no risk of loss, then you are guaranteeing a loss after inflation. If you really want the funds to provide for the next generation, and ones after, you need to be concerned with having the funds maintain their purchasing power.
- Very wealthy families do not tuck away their assets and avoid "investing" due to perceived risk of loss. They invest it to maintain purchasing power. Also your time horizon is many decades; to avoid "investing" due to fear of short-term losses is not wise, when you are looking out over decades. The fact you will not be touching these funds, means you can look very long term.