Early next year, on my 60th birthday, I become elegible for a pension plan worth around $400,000. I can either recieve a set monthly amount for life (but never have access to the principal) or take the whole thing in a lump-sum. I have been advised to roll it over into an IRA and invest the money in such a way to give me a nice dividend every month, hopefully not having to use any of the principal. I am not only a fool, but a real dummy when it comes to investments...butI am living in Mexico, where things are cheaper. Mexican banks are currently paying around 17% on peso accounts, but the peso is pretty unstable..especially with elections coming up! So.... Does anyone have any foolish suggestions that might make me 10-12% on my money and still be able to sleep most nights???