re: Retirement investment options and expected return

This is what I would do if I just retired with $1.2 Million, Obviously there are risks so this is not investment advice. Do your own research.

Put $1 Million in BITO and $200K in cash. That's about 40,000 shares of BITO. BITO's monthly dividend might pay $1 or more per share per month. The last two monthly dividends were $1.14 and $1.68 per share.

So your 40,000 shares would have paid you $45,600 on April 8th and $67,200 on May 8th. Even if the monthly dividend dropped to 50 cents, your monthly dividend would be $20,000. Did you ever get monthly pay that high? Plus it tracks Bitcoin like a Spot ETF.

Start living like a really rich retiree after you see month after month of massive pay days of doing no work and all play.