Relative died

relative died

get $180k

i need $700 a month
is there a way i can make that $180k passively generate $700 a month?

take $700 out every month and invest the rest in bonds. suicide in 30 years

30 year treasury yield is 4.3% per year. literally just buy a 30 year treasury. they pay out every 6 months and it's exempt from state and local tax.

suicide in 30 years

y u say dis?
also, wtf is a bond? im a fucking wagecuck at walmart

yeah but what about inflation? inflation has been crazy these past few years and idk about locking up the money for 30 years would be the best option

Put it on QQQ and don't touch it dude.
Keep working. You don't want to run out of money when you're 55 with no recent work history.
But to answer your question, when you buy treasuries you don't lock up the money, you get coupons every 6 months and you can sell them through a broker to get the rest of the money back.

so i should just transfer the money from my bank to the robinhood brokerage account and market buy QQQ and just forget about it for years, right?

the robinhood brokerage account a

use a real investment management

like what?

RESIST YOUR BIOLOGICAL LOW IQ WALMART WAGIE DUMB FUCKING NIGGER URGE TO LOSE ALL YOUR FUCKING MONEY. BUY MOTHER FUCKING BONDS LIKE I TOLD YOU TO RIGHT HERE YOU STUPID FUCKING SUBHUMAN NIGGER FUCK. YOU ARE GOING TO LOSE A LOT OF FUCKING MONEY IF YOU BUY ANY STOCKS. PUT IT IN BONDS. YOU ARE A FUCKING MENTAL RETARD WHO WORKS AT WALMART. I MAKE 5X AS MUCH MONEY AS YOU EVERY YEAR. I KNOW WHAT IM TALKING ABOUT. BUY BONDS. YOU FUCKING RETARD.

Buy short term treasury bonds, or hold as cash. Invest in the stock market after it crashes.

Fucking kek

ok, you seem very adamant about it. i will take it into strong consideration, thanks anon, i appreciate it.
what do you think of the TIPS which account for inflation?

Just put it into a money market fund bro. You don't lose a cent of it that way. The stock market is never a sure thing, you are exposing yourself to massive downside risk. It would be stupid to gamble with the money you need to pay monthly expenses.

look at SGOV.

Im European can I buy bonds too?

omg you people are so dumb

With 180k you can get $700 month sustainably but with some level of risk. If you don't a want risk of depletion you can only get (0.035*180k)/12=$525 a month.
As for where to invest I'd suggest 80% stocks (70% domestic (broad ETFs such as VOO), 30% international) and 20% bonds.

probably not with $180k. You probably need a nest egg closer to $300k if you want inflation adjusted $700/mo

shut up it sounds important

sure, just remember to do opposite of what Anon Babble says

If you build a small cheap house and rent it out, you can.

oh no, that's much too ambitious for a wagecuck like me

Just go have a casual chat with a contractor, tell them "I have 180k, can you build a cheap house for a small family?"
They will tell you the possible specifications, how many rooms, etc.
That'll give you a rough idea, and you'll realize its not a big deal.

lol

NO. Don't do it on Robinhood. Do it on a real broker like Schwab or Fidelity.
Don't buy a lump sum either. Buy 2 shares of QQQ every week.

bonds are ETF?

Or you can do what this guy is saying if you want lower risk

You are lucky OP, here's a port allocation to get you more than 700 a month safely for the next year

80% in TBIL

10% in IGLD

10% in MSTY

This is the safest but highest yielding portfolio I'm willing to provide for free. The t-bill ETF will provide safe income and some gold/mstr (btc) exposure for inflation.

DO NOT put it in QQQ

Buy high yield divided stocks
If you can't figure that out, kys.

If you're not larping, first of all, don't tell anyone you got that money anon. Don't trust anyone, not even an accountant, the moment you say "i have 180k lol" you'll get robbed or killed that same night . Also it may ruin your relationships in general

The same week I bought gold, some blokes tried to break into my house.
Nobody can be trusted. Except me

if you give it over to me I promise to give you $700 every month for the foreseeable future

is "blokes" a new slang for niggers? lol. Damn, anon. You really can't trust anyone in this world

55-65 is the perfect age to shed your mortal coil. Fuck falling apart or rotting alive into your 70’s to 80’s.

bond coupons will shit the bed when ZIRP comes and OP will have his money stock on some boomer investment

just baghold cash in money market funds and buy the crash then go all in on MSTR at the bottom and get rich as fuck as the next post zirp gigapump sends BTC to $1,000,000

stocks will continue to crash
hold cash and buy BTC or leveraged BTC (MSTR) at the bottom then get rich

everything goes up at the same time so buy the fastest horses

bonds are crap, you dont want your money stuck at any rate

bond coupons will shit the bed when ZIRP comes

a 4.3% 30 year bond would go up in market value if new issuance yields dropped, dipshit.

but your money is locked

when the market crashes op will have the money stuck on treasuries

what if the bottom is in 3 months, and op is bagholding for another 3 months like this guy suggests

you will go down as you jump off a bridge when you are stuck in boomer bonds while you are not able to buy the crash