Steady 4-5% on $5 million?
steveeq1: Good quote from Warren Buffett:
> You only have to do a very few things right in your life so long 
> as you don't do too many things wrong.I agree. You don't have to be too bright to be a good investor. In the long haul, you'll be ok if you don't do something stupid. So aim for loss MINIMIZATION rather than profit maximation.Also, the markets are very, very tumultuous now and I believe it will get worse. The federal reserve just pumped a massive amount of US dollars in the system and the long term effects of this will be a staggering amount of inflation. So in my opinion, you should invest in assets that are not denominated in US dollars, such as gold bullion and other commodities.Beware of commodities that are traded fractionally. Meaning they sell you more of the commodity than they actually have.Finally, diversify, diversify, diversify. Don't put all your eggs in one basket. Beware of mutual funds that are diversified but charge exorbitant rates. Index funds have the same amount of diversification but at rock bottom prices.- SteverPS If you are worried about a major market crash (as am I), you might want to check out the Black Swan fund: http://online.wsj.com/article/SB124380234786770027.html .