After looking at the various options, I finally decided to buy more IYR the REIT index fund, that I have in my own Roth IRA. I like the dividends, and I like the idea of investing in real estate. In my portfolio I have a large exposure to stocks. This diversifies us some from the stocks. I figure that people always need a place to live, and work. With the escalating costs of housing, people will be renting appartments more. Malls will be leasing space to stores, etc. So all during this, we will have a steady stream of dividends from the IYR, which will be going right back to purchase more shares via dividend reinvestment.