In Matter of Siegel, 174 Misc. 2d 698, Surrogate Preminger found that the Investment directions in an Inter vivos trust limiting investment to savings bank accounts and certificates of deposit required the trust to be split Into multiple trusts and further required expansion of the investment discretion for one of the trusts, where the settlor clearly Intended to create a favorable Income stream for his spouse and market conditions had changed substantially since the trust was created.