Your 6% calculation would still leave your heirs with a $1M inheritance - that's the return you'd need to avoid touching your original capital. It's hard to fi

Your 6% calculation would still leave your heirs with a $1M inheritance - that's the return you'd need to avoid touching your original capital. It's hard to find a decent investment portfolio that wouldn't be able to average 6% over 25-30 years, but even if you think that's optimistic you could make that $1m last 25 years with only a 4% return...