Since your intent is equal increments over a fixed period of time and your desire a fixed rate...I would consider a single premium immediate annuity with a period certain of 10 years.Think of it like a reverse mortgage on your money. You pay $200,000 and your money is amortized over 10 years and paid back to you monthly, quarterly, or annually.You can fairly easily shop around for such an option and there are likely many that would yield you in excess of 2% for a 10 yr policy.I just ran a search on one with an inflation rider on it (payments increase 4% every year to give you increased income) and the rate came back at 2.21%. Your current age will have an impact on your rate and payments.
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