Run fast from the annuity man. Better yet drive.

You can set up with the treasury and do the i bond thing. I’ve got some and the rate should raise again next month. It’s set twice a year. You and your wife can get 10k each and the other 5k if via a tax return.

With 100k, you get 500 bucks at Schwab for opening an account. You just need a referral code from somebody that uses them. That person doesn’t get anything. Only you do.

You could look at a dividend fund like SCHD or VIG. Those invest in companies that pay rising dividends. If you want to do real estate, skip the hassles(I was a landlord) and go with a reit. Best in an ira as the income is taxed as ordinary, unless you qualify for a special deal that was in the trump tax cuts.

Other than that, remember that people claiming to know the direction of things are generally wrong. Especially true of anybody hawking investments. The one method that works out is staying invested. Timing in and out is a losing deal.