How to invest 1m inheritance?

43f single staying in paid up hdb. Parents have passed on recently and I’ve received about 4m from the sale of their property and cpf. I bought 2m worth of SGX stocks mainly for dividend income and put 1m into a few of my siblings and friends businesses both for dividend return as well as a means to help them. I don’t want to move housing as it’s just me and I find hdb very convenient and suited to my needs.

I work and get a decent salary which is more than my requirements so I DCA a large portion into foreign ETFs via DBS (it’s the easiest setup as I find the other brokers unnecessarily complex and giving too many options)

With the remaining 1m, should I buy some kind of retirement investment plan, just keep as cash (does anyone see market tanking soon?) or do you have any medium risk but decent yield options assuming a 20 year investment horizon?