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200k 10-year investment safest 5% annual return?
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invest in a high quality dividend paying group of stocks.  look up "stock  aristocrats" to find longterm quality stocks that have regularly increased their dividends for over 20'years. 10'years is a safe period of time to invest in stocks.  if you had bought stocks at their hight in 2007 and kept them through the 40% decline thru 2008 and 2009 and held on to them for 10 years until 2017, you would have earned a 40 % increase from when you purchased them.  that is pretty much a worst case scenerio.  if you had invested in dividend paying stocks and had earned an additional 2.5% per year, you would have exceeded your 5% goal. the lifetime yearly return of the stock market is 10%.  time is the only downside, but with ten years, you are almost certainly immune.
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