For the remainder of your estate, you can draft a will or better yet, a trust, which provides the additional benefits of privacy and avoiding the costs in time and money of probate.

FORBES: 6) You may not inherit each other��s assets.

But the estate's charitable deduction for the remainder of the art gift is based on the lower value at the time the fractional gift began.

FORBES: Magazine Article

The remainder of savings can be distributed among stocks or equity mutual funds, real estate (most often via real estate investment trusts) and perhaps a smattering of commodities as an inflation hedge.

FORBES: Retirement