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by reducesuffering 2086 days ago
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