4 mill is for instant lifestyle upgrades (house, cars, renovations, holidays)

5 mill is for a local charity close to my heart - Not sure how I'd set this up

25 mill is for my own personal investment fund, comfortably netting £83k a month at 4%, compound investing the rest

25 mill is for the family investment fund. With 13 close family members I want to help I would set up a trust where each person receives monthly payments for life. That would be around £6,500 per person per month, with it rising over the years by reinvesting the excess.