I work in investments for trust at a major bank. I'm gonna be lazy and copy most of a post that I have made before.

First things that would be important to note would are below:

1) Is there a fully fleshed-out trust document

The trust can be very explicit and detailed or, equally, very vague. If there is a document or the trust has substance, the language of the trust will allow you to better understand the below.

2) Who are all of the interested parties

Seems as if you and your 8 siblings are the only beneficiaries. Are there any other interested parties/people named within the trust?

3) Investment Authority

That's a good chunk of money. Who has the power to invest that money? Is it the trustee(s)?

4) Investment Objective

There may or may not be explicit instructions for how the money should/can be managed.

5) Power to appoint a new trustee

If your trustee is the only one who can manage the assets and the trust doesn't specify what investments are accessible, you may or may not be comfortable. If the beneficiary or beneficiaries has/have the power to appoint (a) new trustee(s), you can explore other options as to who the trustee(s) will be.

6) Distributions

It is very important to know to what extent you are allowed to withdraw money from the Trust. From reading what you had mentioned, it seems as if the money is not distributed until specific age attainment for the benes. Note: You may be able to get monthly/quarterly distributions, or may only be able to withdraw money at the discretion of the trustee(s)

Tried to personalize this as best as I could but it's about to be July 4 weekend. 2-3% seems like principal preservation. I can't really give advice as to what to do with it, but am more than happy to answer more questions.