Advice on how to allocate 10mil in cash savings

Looking for suggestions on how to allocate a decent cash savings of 10mil. Please assume the following:

* Japanese citizen
* Married, 30s, both partners make around 4mil a year
* Trying to have a kid in the near future
* 0 debt of any kind
* Live with parents, no rent
* Opened an IDECO and NISA, but not sure what to buy
* 70% of the money is in yen in Japan, the other 30% is in an American account in USD from the time of working overseas. Left it there because of plans to return, but not sure when that will be.

Thank you in advance!

by fzero93

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