If you mean 4-5% annual average return, just stick it in a total stock market index fund. There's no reason to pursue interesting or creative ideas or even spe

If you mean 4-5% annual average return, just stick it in a total stock market index fund. There's no reason to pursue interesting or creative ideas or even spend any brain power researching all sorts of options. Since its inception in 2000, VTSAX has an average annual return of 7.18% [0]. That's 20 years, multiple US presidential administrations, multiple people running the Federal Reserve, and a big economic downturn (2008) thrown in. It's boring and won't give you any cool stories to tell at parties but you'll likely get the 4-5%. [0] https://investor.vanguard.com/mutual-funds/profile/performance/vtsax https://investor.vanguard.com/mutual-funds/profile/performan...