I have been a USAA member since commissioning 27+ yrs ago, using banking, home and car insurance, used car locator, investment home loan, and college fund investment for our grandchildren. Our adult children use USAA banking, insurance and car loans. Now that I approach retirement, I am looking at the investment options for the first time. Yes, I am late getting in, but college and property have been our priority investments to this point. I am reading prospectus' looking for a mix of short and long-term returns. What do my fellow retiree/veterans recommend?