Aim takes a whole business cycle or more to see any results.
Decide what you want to own the rest of your life. Use only ETFs.
Invest half your money split a mung the securities you want to own.
Let Aim manage it.
Stop worrying what will happen next or when.
If the market goes down right away you will get to buy more at bargain prices.
If you didn't inherit that money you wouldn't have it anyway so how would you have survived without it. Don't let it change your lifestyle. That is the lottery mentality.
I wanted to respond on your results since taking over your mother's account.
Last year I had a 40% return using Aim which is great but the year before my returns were negative 20%. I used that as an opportunity as directed by Aim to invest more and last year's rise to rebuild my cash.
Neither result was due to my intellect but just due to the market and following Aim.
So the drop and recovery in your mom's account was probably due to market conditions as much as anything else.