I actually have a good portion of the downpayment in bonds at the moment. I'm just going to end up having to liquidate them when we go to purchase a house. Once all the expenditures are out of the way we'll probably start putting money into a Roth IRA and some diversified bonds similar to what I have now. I just doubt that the IRA and bonds will equate to enough savings for either me or my future wife to fully retire in our old age. I appreciate the suggestions though.