I'd go with SPYI or QQQI for the income dividend. You would weather some fluctuations of 1-2% max, but you'd be compounding 1% monthly and end up with 12-14% interest earned by the end of the year. Again, you'd see fluctuations but if you're really not touching it for 4 years, then a 1-2% fluctuation while earning 12% annually would be a massive performance. It's what we're currently doing.