How do you turn 1 million into a sustainable, safe, investment that pays out every month for the rest of your life?

How do you turn 1 million into a sustainable, safe, investment that pays out every month for the rest of your life?

No crypto

  1. 2 weeks ago
    Anonymous

    Rental properties I guess

  2. 2 weeks ago
    Anonymous

    serious replies only

    • 2 weeks ago
      Anonymous

      go fuck urself

  3. 2 weeks ago
    Anonymous

    Usdc on aave gives 7.7% constantly high since months.
    Save and good

    • 2 weeks ago
      Anonymous

      >no crypto
      >just invest into my ponzi that can implode at any time and without warning

      • 2 weeks ago
        Anonymous

        usdc is too big to fail
        the silicon naggers bank was rescued because circle among others their fedcoins there

        • 2 weeks ago
          Anonymous

          >too big to fail

          • 2 weeks ago
            Anonymous

            yeah they literally got rescued by those fedisraelite
            anyway its not through circle that you get yields but through actual ponzis so disregard my post

        • 2 weeks ago
          Anonymous

          >usdc is too big to fail
          Kiss of death

      • 2 weeks ago
        Anonymous

        normalnagger
        if you don't understand the difference between speculative crypto coins and transparent blockchain protocols pegged to the dollar, then lower your tone when speaking to me

    • 2 weeks ago
      Anonymous

      >no crypto
      >just invest into my ponzi that can implode at any time and without warning

      aave is no ponzi but ok i gave you my answer

    • 2 weeks ago
      Anonymous

      >Alameda does not use FTX customer funds!
      yeah this is what you sound like

  4. 2 weeks ago
    Anonymous

    I could live off interest on 1m quite easily or I'd look at safe divvy stocks, probably a mix of the two. Could likely bring in 8-10% pa

    • 2 weeks ago
      Anonymous

      8-10 is too high for a diversified (aka safe) divi portfolio but around 4-5% is very much possible. That’s obviously not a lot considering op wants to live full time indefinitely on interest alone

      I’d split it between p2p leading, dividend stocks, regular etf that you cash out yourself instead of dividend based, and even some crypto staking honestly

  5. 2 weeks ago
    Anonymous

    My Apple card savings account is paying 4.15 % interest monthly
    1,000,000$ x 0.0415 = 41500
    so if you can live off of 40K a month or less you are set

    • 2 weeks ago
      Anonymous

      This sounds interesting, can you give more information? What is an apple card?

    • 2 weeks ago
      Anonymous

      >4.15 % interest monthly
      really now

    • 2 weeks ago
      Anonymous

      Can’t tell if it’s bait or actually a new level of retarded

    • 2 weeks ago
      Anonymous

      So you're saying it's paying 49.8% apy? Are you retarded?

    • 2 weeks ago
      Anonymous

      anything over 10%/year is simply just unsustainable retard

    • 2 weeks ago
      Anonymous

      So many good investors and mathematicians on biz.

    • 2 weeks ago
      Anonymous

      I you think mistake

  6. 2 weeks ago
    Anonymous

    Put it all in VOO

  7. 2 weeks ago
    Anonymous

    T-bills for now. When we have lower interest rates then stocks

  8. 2 weeks ago
    Anonymous

    Money market funds

  9. 2 weeks ago
    Anonymous

    Term deposit that pays monthly dumb dumb.

    • 2 weeks ago
      Anonymous

      For those of you that dont know a 1mil term deposit return is basically a liveable regular income but passive.

  10. 2 weeks ago
    Anonymous

    [...]

    sorry that link looks sketchy as fuck

    also you dont know if apple is save, company could die next year and you lose all your money

    • 2 weeks ago
      Anonymous

      Apple is literally the largest company in the world and the card and savings account are serviced by Goldman Sachs
      These are not fly by night companies. If that's not secure enough for you then just go live in a bunker.

      • 2 weeks ago
        Anonymous

        >Goldman Sachs

        >Goldman

        yeah this is even a bigger red flag, i dont know this company but it sounds you know what-ish

        • 2 weeks ago
          Anonymous

          >sacks
          >bag holding

  11. 2 weeks ago
    Anonymous

    [...]

    Its 4% per year you homosexual, also remove your referral link scumbag

    • 2 weeks ago
      Anonymous

      Based mods deleted his begging, hope they banned him on his home IP too. Get rent scrub.

  12. 2 weeks ago
    Anonymous

    If you have a million dollars, why not just live off the money instead of doing dumb dividend shit with it? Or even just put it all in the snp500 and simply sell 30000 a year of whatever you need for living expenses.
    “Passive income” is bullshit you don’t actually need.

    • 2 weeks ago
      Anonymous

      The choice between selling stocks every year or living off dividends is purely a tax optimization issues. There is not a single right answer as it depends of the local legislation.
      Both set ups are equally easy to manage, you can either buy a total return ETF or a dividend versing ETF.
      I agree that any niche passive income set up with obscure risks such as putting all of your money in an 'apple savings account' is bullshit and will give only disadvantages compared to just buying a well diversified ETF.

      • 2 weeks ago
        Anonymous

        what about diversified stablecoin portfolio on aave

      • 2 weeks ago
        Anonymous

        Selling stocks is probably the better choice where I live because we get a 50% discount on income tax if it comes from capital gains of assets that we've held for over a year.
        But I'm a terminal hodler, and I'm not sure I'd be able to time my sells properly. Particularly if the stock market crashed for a few years and I was cashing it out while it was low. But then I looked at a managed dividend ETF and they aim for 4.25% pa with 0.54% returns. That's absolute dogshit. The bank account where I just keep the cash that I don't know what to do with is paying 5.5% right now.

        What does LULZ think of actual financial advisors and/or wealth managers? I know finance is PVP, but maybe they can still provide a good service?

        • 2 weeks ago
          Anonymous

          >0.54% returns
          Meant 0.54% fees

    • 2 weeks ago
      Anonymous

      man, you'll blow through a million fast. passive income is comfy. my income is about 6k a month now, passive. And it's a humble life.

  13. 2 weeks ago
    Anonymous

    The easiest and safest way is a dividend versing ETF.
    Forget rental properties unless you enjoy stress and ruining your life dealing with people that may fuck you at any time and have the law on their side.

  14. 2 weeks ago
    Anonymous

    Do whatever you can to raise it to $5 million and then put it all into VTSAX.

  15. 2 weeks ago
    Anonymous

    Why not just broad ETFs? Allegedly US stocks are still a bit expensive.
    >No crypto
    Imagine LULZ without crypto. It would be so much better.

  16. 2 weeks ago
    Anonymous

    $1 million equity in a self managing small business is the dream. Should be able to net six figures easily.

  17. 2 weeks ago
    Anonymous

    Just sell 0dte. It’s so easy

  18. 2 weeks ago
    Anonymous

    Just earn interest on your bank account?
    Most banks pay a few % each year on your savings account. It's a few k per month.. but it's safe
    You can use that money to buy crypto or shares that pay dividend

    • 2 weeks ago
      Anonymous

      >but it's safe
      guess how many banks failed this year.

      • 2 weeks ago
        Anonymous

        Then you will get the money back from the government. At least in my country.

      • 2 weeks ago
        Anonymous

        Very few and the deposits are all guaranteed by the federal government. If the federal government fails your fiat is worthless anyways so why would it matter?

  19. 2 weeks ago
    Anonymous

    buy and sell naggers

  20. 2 weeks ago
    Anonymous

    >pays out every month

    this is bullshit

    you just will get to some amount of money that you'll be able to spend without thinking about

    fuck dividends, it really doesn't matter

  21. 2 weeks ago
    Anonymous

    OP here

    every month I figured pay out once a year is fine too I can then put it on my savings account and pay myself every month 12 times a year

  22. 2 weeks ago
    Anonymous

    you need multiple sources of income. Split your million into properties, crypto, boomer stocks and a bank saving plan.

  23. 2 weeks ago
    Anonymous

    >sustainable, safe, investment that pays out every month for the rest of your life?
    maybe cool it off with the anti-semitism ok?
    you just want to live comfortably without risking your net-worth and contributing to society, very bad goy

  24. 2 weeks ago
    Anonymous

    20 year T bill will pay you 48k before fees and taxes. You could put some in longer t bills, or shorter ones with reoccurring repurchases, put some into an index fund or ETF that pays dividends, maybe put 5% into PMs for catastrophic reasons etc.. there are a lot of options, but ideally you'll want to live well below whatever you're expected annual returns are and reinvest some of the interest because $50k/year today won't be worth $50k tomorrow and taxes will only go up.

    I'd personally look at purchasing a house and all necessities outright, then compare different investment strategies with a healthy mix of bonds and stocks plus a small portion for higher risk/high yield things, as well as an annuity to fill retirement gaps (assuming you plan on collecting any government retirement money). I'd also put some into physical PMs and a small trust offshore in case things go to hell in my country.

  25. 2 weeks ago
    Anonymous

    Just put it in sp500 and sell the gains on up years, hodl on bad ones OR live off of dividends

  26. 2 weeks ago
    Anonymous

    Treasury bills or an annuity although with your risk tolerance being “apple could disappear tomorrow” I’d say swallow your pride or whatever mental block you have and look into bitcoin

  27. 2 weeks ago
    Anonymous

    I'd buy 3 houses and rent them through an agency.
    That's a safe 4-5% in rent per year on average, might be more or less depending on area but that's what I'd shoot for. So a nice 40k a year after taxes give or take, enough for an ok to great life anywhere in the world.
    Also you're home will appreciate with time and the rent you get will grow with inflation.

    I'd still keep a cool $100k to buy the next crash in the crypto or stock market

  28. 2 weeks ago
    Anonymous

    Half in 20 year treasuries
    40% in sp500
    10% in degenerate bets

  29. 2 weeks ago
    Anonymous

    It's basically through crypto you can achieve this. You can invest in some tokenized assets and earn passively from them or you can stake some altcoins like RIDE, ETH, and AZERO with sustainable APYs of around 18% for passive income. Just my two cents.

  30. 2 weeks ago
    Anonymous

    Own commercial real estate in a popular area along with rental property

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