200K is nothing. A 'great' ROI these days is 10% and usually these carry on great risk. Are you willing to risk your 200K life savings for a measly 20K per year; not even minimum wage? If you want to make money with less than 500K realistically, you're going to have to bring something to the table, in terms of skills and business acumen. Don't fall for the trap of investing in crypto, stocks, forex, etc. Invest small bits of that money into making yourself a smarter individual who will know what to do with that money.
One thing I can relate to hervens about on this post: everybody who has never seen 6 figures at once thinks its a magical number and that if you can just achieve that, you can read a book or two about investing and retire for life. When you get there, you realize how small of an amount it is.
Realistically speaking, the only people who can truly retire off of passive investments of 4%-10% are multi-millionaires, at least in first world countries. A few hundred thousand is unfortunately nothing when it comes to things like stocks and real estate.