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200K 10-Year Investment Safest 5% Annual Return?
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.