This. Investing in the last decade has been easy. I'm not so confident for the next, specially for tech. I feel a lot of people currently think they're great investors but they've all started after 2008.

For the OP, having 1M is a great position to be in but also a two edged sword: you have the money but investing it all at once is psychologically hard. I saw an article on Seeking Alpha with an example portfolio for retirement that I generally agree with, you can take a look at it here: https://seekingalpha.com/article/4391859-retirement-portfoli...