Option A...I guess. Seems quite bond heavy though. If you have a choice, 60/40 stocks/bonds (preferably global, equal-weighted vs cap weighted for the stocks

Option A...I guess. Seems quite bond heavy though. If you have a choice, 60/40 stocks/bonds (preferably global, equal-weighted vs cap weighted for the stocks to take advantage of the higher growth of small and mid caps). Let me say something about Option B: Being a landlord is not passive. There are many young people here, some who have made some good money, that buy and rent property. If they describe it as easy it's because they likely haven't owned the property long enough to have to pay for big maintenance projects, or long enough to have had bad tenants. Investments are an efficient machine, and they don't produce easy money. The long-term real returns on real estate are steady and low. TINSTAAFL. Any advantages come from being able to leverage a down payment with a mortgage, which may or may not be possible for a rental property.