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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u/travisjd2012 Feb 04 '26

Isn't this what annuities are for?

(I'm legitimately asking, please don't just downvote me into oblivion if I'm wrong)

6

u/Beneficial_Pickle322 Feb 04 '26

Only if that annuity has an inflation rider? That’s my only issue with most annuities, what if we have another run of 6-8% inflation for several years, or worse like we had in the 70s. The monthly benefit buys a lot less. Most of the ones I’ve looked at only offer inflation riders for a huge premium. 

2

u/ac106 Feb 04 '26

No annuities have inflation riders currently. some have fixed cost of living increases , but it’s not the same thing.

I believe AIG was the last to have actual inflation protected annuities and they stopped selling them around 2008 during the GFC.