Many comments here are quite inaccurate saying "REIT / Real-Estate, High div stocks, solely VTI/VTSAX." These are not steady 4-5% and have very real risk of los

Many comments here are quite inaccurate saying "REIT / Real-Estate, High div stocks, solely VTI/VTSAX." These are not steady 4-5% and have very real risk of losing 50% within a year. The safest way to steadily return 4-5% nominal is an approximate mix of: 55% VT (Global stocks) 40% BND (Total US Bond Market) 5% GLDM (Gold) Whether that ends up being a real 4-5% return, as opposed to nominal or a definite 3% real, will depend on inflation. More info on bogleheads.org