I stand by what I said before… Loan your money to your kid(s) so they can buy a place for something like 3% for 30 yrs. You get a stable stream of income from trusted people (assuming your kids are trustworthy) and your kids has access to slightly cheap money without all the hoops to jump through, and more than likely will have a property that starts to appreciate. When you pass away, the loan is owed to your estate, which most likely is inherited by them too.

Without assuming much more risk, it’s probably one of the more decent options, especially if your kid(s) have not purchased their own place yet and are currently paying a landlord.

Look at the alternative. You put the money into a “bond fund”…You risk it going down…

Ok fine, even if it doesn’t go down… Let’s say you earn some money from it…Gain from it gets taxed.

And your kid still doesn’t own a home and subject to paying a landlord. Your kid(s) that need to purchase a home borrows money from a bank, has to come up with 20% down or so, and subject to various scrutiny that may/may not make them borrow worthy….And then ends up sending his/her money to a bank..

Meanwhile, when you pass away, your money (assuming you pass it to your kids via your estate) ends up being subject to estate taxes…which hopefully for you is exempt thanks to the latest fiscal cliff deal (first $10million is exempt for a couple via by-pass trust)…But nevertheless has other side effects wrto what your kid(s) would pay for gains from investment (assuming for example if you bought stock shares and never sold)…

At any rate, imho you’re better off helping your kid now, versus leaving it to them later, since God knows what our government will decide to do later to your money.

I would totally do this right now if I had a child that was working but still renting.

Better to take care of your own than to let the government take your money and waste it will it tries to make other people whole (when it really can’t)…No one else is gonna take care of your kids, and everyone else expects you to pay for everyone else that doesn’t want to pay.