[zzbn00]

As others have written, there is no sure way of generating steady 4-5% in current markets. So think about what do you want to use the money for? Can you reduce your future known expenses or buy something now that you know you want?

If you have a mortgage, probably worth paying it off.

Invest in reducing energy costs -- insulation, renewables if in right place.

If you want a yacht, buy it now and rent it out until you need it.