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No 18-year-old needs $1 million

DEAR BRUCE: It may seem trivial to be asking this question, as there are so many people out there having such a hard time, but I do have a concern about my granddaughter. When she turns 18, her trust will expire, at which time she will be able to withdraw in excess of $1 million that was left to her by her deceased father. Obviously, my daughter doesn’t want her to have immediate access to this money and blow it; she would like to know how to invest it for her. Any suggestions? — Reader, via email

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