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.

quote:

---

If so, what does your portfolio look like? Annuities? (Not a personal fan of annuities)

---

Me neither they have a place, but 99% of people are just throwing money at fees.

quote:

---

What is the expected rate of return on investments?

---

Loaded question, lots of factors we need a better picture of your entire retirement situation.. Is the 401k your only retirement income?

How much do you need to live on each year with your SS income included? I have a mix of dividend yielding bonds, stocks (oil and shipping primarily), REITs, BDCs, and ETFs (so I'm diversified). I now really like Ishares high yield yearly maturing ETFs like IBHE, IBHD, etc. They are high yield at around 7% and low risk, you get your money back when they mature so you can "ladder" it for income yearly. You should also have a portion in growth like SMH, SOXX, etc. All investments together it yields an average of 6.84% dividend.

Assuming you’re mid 60’s,50-60% in a total market fund, the balance in laddered treasuries (ratio depends on risk tolerance, could even go 40/60). Rebalance every year. This assumes you already have a 6-12 month emergency fund.

Well, I wouldn't just throw annuities under the bus. Depends on what type.

We converted a sizeable portion of our IRAs to annuities about 10 years ago. Still do 401k at work and have a couple of ROTH IRA accounts, but most of the retirement money is in annuities.

We heavily researched this option and worked with our financial planner to make the transition. Why? The thinking was we'd done well with our investments but didn't want the potential risk of a market downturn and have to deal with that. Too old to ride it out and recover, which we'd done a few times in our lives.

Annuities provide a source of lifetime retirement income. And they're not all the same. Inflation-Adjusted Annuities provide a payment stream that adjusts with inflation. Unlike regular fixed annuities, they offer a built-in cost-of-living adjustment based on the Consumer Price Index (CPI). This ensures a real rate of return that matches or exceeds the rate of inflation.

Outside of that, we have several other mutual funds and ETFs. JEPQ is one of the better ones and has a dividend yield of around 8.92% JP Morgan.

Non-retirement, the bulk is in stock (UHN).

Dividend Stock Article.