considering you need 16.6 years to deplete the 1000 000 I'd say lot could happen in 16.6 years plus if we consider inflation 1000 000 on day 1, worth a lot mor

considering you need 16.6 years to deplete the 1000 000 I'd say lot could happen in 16.6 years plus if we consider inflation 1000 000 on day 1, worth a lot more than in 16 years So I would say ... take the 1M