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A comment on The Pooled-Risk Company Management Company. Parent comment

Re:The Pooled-Risk Company Management Company by mechanical_fish on Thursday July 24, 2008 @01:58AM (#255116)
Watch out for the inflation rate! If inflation is at 4% your ING account is worthless and you're spending down your principal in real terms.

Believe me, I've been thinking a lot about that recently.

That said, your point is taken: There is some amount of money where you can set up some fairly risk-free, static investments and take out $X every year indefinitely. Just make sure you do a little more thinking upfront about how much money that is, and what static investments those are.

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Re:The Pooled-Risk Company Management Company by nostrademons on Thursday July 24, 2008 @04:22PM (#255768)
TIPS or I-bonds would seem to be the prototypical example: they guarantee a certain real rate of return (about 2% when I looked a couple years ago, though I heard it's gone negative with the credit crunch), so if you've got $10M or so you're guaranteed your $200k. Only thing you have to worry about is a government default, but if they do that, you have bigger problems to worry about than what happened to your money.
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