Lazy way 1: https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio - either rebalance that once/twice a year,

Lazy way 1: https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio - either rebalance that once/twice a year, or just keep adding money to the position that's underperforming two others, betting on eventual reversion to the mean. Lazy way 2: Schwab's pre-mixed fund-of-funds of bonds + dividend stocks + real estate https://www.schwab.com/mutual-funds/mutual-fund-portfolio/monthly-income-funds https://www.schwab.com/mutual-funds/mutual-fund-portfolio/mo... The second option is kinda income-heavy, something to watch out for if at your level every new dollar is taxed at top tax rate.