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Low cost index funds from either Vanguard or Fidelity.

It won't suffer tornado damage. It won't pay rent late. It won't damage your property.

+1 ... Mastercard is the only investment I have that has increased more % than Vanguard Growth in the past 12 months...

go to vanguard and see if they have a tax free muni fund for your state. the one here in pa pulls in 2 or 3% most years and its tax free. might want to educate yourself on muni's if you aren't familiar.

that'll be $500

Appreciate that. Looks like Idaho's are free of Fed and state tax...

I would hesitate to get invested right now with the major indexes at record highs. If I did I would DCA. I'm pretty heavy into American funds and they have a good track record. I average about 8%per year for the long haul. Last year was 18+% , the year before was a loss.

Vanguard has a lot of nice options with pretty low fees. Don't invest if you have to have the money at any certain time. It goes up and down.

Broom, that is a tough question for stock pics for 2020. It is record high again today , I think. I am fully vested and will stay that way. However, I am not putting anything else in till my SEP in April. I will likely put it in a multi sector bond fund . the ticker is PONAX. It is also about high right now but pays dividends monthly and pays 5% yearly in divies. During the 2008 cars it went down about 10% in price but gave back 5% in dividends. I dont think you can beat that . The price goes for between $12.00 and $ 12.10 . It was 12.09 today . It does not charge a load through Fidelity and doubt it does through Van. or Scott ECT. I just dont think the market is going to keep going up and a pullback is due. its been over a year now since we had over 10%. I would like to see a 10 % correction . A fidelity gov. fund pays 1.47% and can withdraw anytime . Spraxx is the ticker , I think.

Uhhhhh, Bitcoin. Get rich, son

Mortality crap shoot.

Vanguard funds is what wifey has.

This is not the time to dump large amounts of cash into the market, We're at a decade plus of a bull run, Historic highs at 29+,

you cant time nor predict the market, but always be mindful of a few time honored theories,

Mainly, buy low sell high.....

You're considering doing just the opposite......

Bond funds, CD's Tbills and be happy with a return of even 5%, because that's the best you'll average with low risk choices.

Be patient and cautious.

Small steps with dollar cost averaging if anything..........

We're in the same boat (we retire in 3 years and want to buy no later than 2 from now) and want to be ready to pounce when the right retirement place shows up and are not willing to risk much loss if things go south in our primary investments. Here's where we went.

https://fundresearch.fidelity.com/mutual-funds/summary/316146356

Won't earn a lot, unlikely to lose any.

I lost 20% / year 1982 -1994
I have made 20% / year 1994-2020

The stock market averages 9% over the very long term.
Some gotta win, some gotta lose.
If you are beginner, you are likely to make less than 9%.
But a beginner can buy an indexed fund and get the average.

I tell beginners to put the bulk of the money in indexed funds.
With a small part of the money, try your hand at stock picking.
When you make more money than indexed funds, start moving money from fund to stock picking.

So far no one has listened to me. They jump into stock picking and lose money.

I tell them it is like baseball. The average batting average in the majors is .248.
In your rookie year, if you could get a guaranteed .248, you should take it.
That never sinks in.

Goes without saying; but only you can decide your risk tolerance. Also goes without saying, but as that tolerance goes up, so too will your potential returns. Personally, with your stated goals, I’d be taking a hard look at REITs. NLY is one I own, and think highly of. Just keep in mind the tax consequences, especially if you decide to go with a REIT.

I'm also a Fidelity user,

for example, using the Fidelity website 'compare' option,

using the same investment option category, (intermediate core bond),

One can quickly see your FXNAX with returns of 3.67% over the last 10 years, it also quickly shows other Funds in the ICB sector that pay better with identical level of risk, for example WABAX with a return of 4.81% over the last 10 years...

Just an example, No one's right or wrong.

12 months ago, me crying over a 15% downturn,

(link didn't work) link to last December a thread I had started.

These are fat times, but you might want to be thinking skinny.

Not knowing the OP's age, risk tolerance, and future goals, I'd get an advisor with that sum of money. Diversify and DCA would be my approach. Everything is historically high.
Don't rule out the value of single or double tax-free muni bonds.

Thanks - will need to look at that

+1. I took over my aged aunt's finances right before she had several annuities that were getting ready to start paying out. I cashed them ($100K+) out. Several hundred a month guaranteed sounds like a lot until you have $6000+ a month expenses when you're in assisted living. The salesmen scare old people with the old "the market could crash and you'd lose EVERYTHING. This way, you'll have guaranteed money until you die" ploy and it works. That's how they make their money.

No annuities for me ever.

Look into Fidelity funds or Putnam funds.

They made a chunk over the last 25 years and last year made us more than 13000+-.

Some CDs might pat 3 or 4 % but i doubt it.