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how would you invest 1 million - remember you cannot touch the principal and need the interest to live on?


Why can't you touch the principal?
Being unable to touch the principal eliminates stocks completely - since if you ever take any profits, a portion of what you sell will be "principal".

That leaves bonds, treasuries, CDs, savings accounts, etc.
And, with bonds at least, there is a chance you could lose principal.

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