If it were me and no skill set, probably in CDs or bonds. Because if I have no skill set at all, I must be pretty damned stupid and would not know better.
If it were just me, right now. 100% stock. Mostly xJxNxJx PG because it is both undervalued and one of the best run comapnies in the world. But almost jsut as much would go into JNJ. PG is better run.