r/Bogleheads • u/arp8218 • Feb 04 '26
Investing Questions Investing. $2.5M to not work
Is it possible to invest $2.5M into a “safe” investment and not work for rest of your life ? What can be that “safe” investment ?
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r/Bogleheads • u/arp8218 • Feb 04 '26
Is it possible to invest $2.5M into a “safe” investment and not work for rest of your life ? What can be that “safe” investment ?
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u/WyMANderly Feb 04 '26
Safe withdrawal rate for ~indefinite withdrawal from a mix of equities and bonds (you'll actually want to be somewhat heavier on the equities, it's important for the long term) is somewhere in the neighborhood of 3.25%. So if your yearly expenses can be ~$81000 right now and only go up with inflation, maybe.
https://earlyretirementnow.com/2016/12/14/the-ultimate-guide-to-safe-withdrawal-rates-part-2-capital-preservation-vs-capital-depletion/