If you are looking for the lowest risk, you could look into some sort of annuity - you should be able to get something close to the percentage you're looking fo

If you are looking for the lowest risk, you could look into some sort of annuity - you should be able to get something close to the percentage you're looking for. These things are complex and varied so you'd probably be wise to consult one or more certified financial professionals before doing anything rash. (I'd carefully factor in inflation for your returns for example.) My personal approach to investing has been to get acquainted w/ the basics of Modern Portfolio Theory (see: A Random Walk Down Wall Street) and then do a couple things: * Set a sane asset classes allocation. Indexes are good where applicable. The less correlation the better: http://www.indexuniverse.com/publications/journalofindexes/joi-articles/3220.html?fullart=1&start=7 http://www.indexuniverse.com/publications/journalofindexes/j... * Rebalance regularly - once a year is fine * Take advantage of tax efficiency where possible (tax loss harvesting, tax-deferred investing) If that's too much work, you could do worse than parking your money in a Vanguard LifeCycle fund, which rebalances for you: https://investor.vanguard.com/mutual-funds/lifestrategy/ https://investor.vanguard.com/mutual-funds/lifestrategy/ BTW, if you're talking about real and not hypothetical money, $1M net investable makes you a "high net worth individual" - while I wouldn't necessary recommend going w/ a financial advisor (if you do, be sure to get personal/professional recommendations), you should at least avail yourself to some pitches to get an idea of what's out there. Initial consultations are typically free and you can ask them your exact question yourself. I'm sure they'll be more interesting answers than "buy a house in X."