[Skriticos]

Remember, that's not inflation adjusted. It's a common banking advice though. (Not a stupid one).

As for your problem, do what most people say here: invest in the best asset you know: your business model. If you are very lazy, then just simply figure out how to let someone else do the work.

And I wonder if you meant that question seriously? The wording sounds awfully naive.

[lrm242]

Not inflation adjusted but given the short time frame near 0 inflation (in the US) means a small return still allows for growth. A 3.5% annualized return is also a very conservative target.