How would you invest for an 87 and 92-year-old who don't need to draw from their portfolio?

{"summary": "Author argues the portfolio is inheritance money and should be invested on the inheritors' timeframe, likely in index funds for the grandkids.", "reason": "The author provides a fundamental investment thesis (inheritance horizon vs. preservation) for index fund allocation.", "ideas": [{"symbol": "SPY", "direction": "long", "thesis": "Author argues the elderly couple's portfolio is really inheritance money and should be invested on the inheritors' timeframe, most likely in an index fund for the grandkids or their children. The mechanism is that the couple made the money, will never spend it, and there is no need to preserve wealth. Main risk is that this view may not be popular and ignores potential care costs.", "thesis_short": "Invest inheritance money on heirs' timeframe", "quote": "That is inheritance money. So my time frame would be on who is inheriting it. Most likely just the index for the grandkids or their children.", "confidence": 0.6, "sentiment": 0.5, "timeframe": "inheritance horizon"}], "model": "gemini-3.1-flash-lite", "failure_count": 0, "verified": true, "extraction_model": "deepseek-flash"}