Look if you're only looking for a 5% return on your investment you can simply put $100K in an FDIC insured saving account.
There are online banks that are offering 5% plus and because they are insured you can sleep at night without having to worry about the whims of the markets.
You just have to check every now and then to make sure their interest stays at the same rate, if it dips below, you move it, but remember the principle is safe.
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