What should you do with money after selling a business?
The first decision is not which fund to buy. It is what the sale proceeds need to do for the rest of your life.
Separate near-term money from long-term money
Set aside known tax, transaction and spending commitments before making long-term investment decisions. Money needed soon should not be forced into a portfolio designed for decades.
Define what financial independence means
Work out how much annual spending the proceeds need to support, whether work will continue and what future business or family commitments may use capital.
Your risk capacity may have changed
A founder can move overnight from concentrated business ownership to a large liquid portfolio. Diversification can reduce concentration, but the right pace and investment risk depend on the wider plan.
Choose advice that fits the size and complexity
At larger sale values, annual percentage fees can become substantial. Compare specialist experience, planning depth, fee tiers, caps and how the adviser works with tax and legal professionals.