2) I have been having good returns (for over a year now) with 2 vehicles: lendingclub.com (P2P lending) and futureadvisor.com (which is in a space I suppose is called "computer-assisted wealth management"; competitors include Wealthfront, etc.) It's basically a financial advisor without the advisor, and thus, extremely low-fee. You get a person if you need a person, and they lean heavily on quantitative analysis to reduce their own investment-decision workload.
2) I have been having good returns (for over a year now) with 2 vehicles: lendingclub.com (P2P lending) and futureadvisor.com (which is in a space I suppose is called "computer-assisted wealth management"; competitors include Wealthfront, etc.) It's basically a financial advisor without the advisor, and thus, extremely low-fee. You get a person if you need a person, and they lean heavily on quantitative analysis to reduce their own investment-decision workload.