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/biz/ - Business & Finance

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56685533 No.56685533 [Reply] [Original]

What would you rather?

A:
>$20 million lump sum
B
>$400,000/year for life

>> No.56685549

>>56685533
A

>> No.56685554

>>56685533
Take the lump sum and all in crypto on today's dip

>> No.56685564

20 mil /thread

>> No.56685574

>>56685549
>>56685564
>>56685554
>taxes you lose $12 million right away

>> No.56685584

3.5% is a safe withdrawal rate

That's $700k/year with the lump sum. I'm going lump sum.

>> No.56685605

>>56685533
I'd rather kms

>> No.56685609

>>56685533
A, you can put that $20 million in SPY or BTC and keep your purchasing power over time, $400k USD would be damn near worthless in 20 years.

>> No.56685613
File: 316 KB, 1080x795, You're Bretty Gud.jpg [View same] [iqdb] [saucenao] [google]
56685613

What a stupid thread. Nigger I'm 70 why would I take the 400k/y

>> No.56685622

>>56685574
OP never mentioned that it would be taxable income.

>> No.56685634

>>56685533
You could put $8mil into a 30 year bond to get your $400k baseline, and still have $12mil for better investments.

>> No.56685647
File: 144 KB, 840x1120, WHERE THERE IS SMOKE THERE IS FIRE back forward 1.jpg [View same] [iqdb] [saucenao] [google]
56685647

>>56685533
A, I can stash half after taxes away in safe investments and retire off the accrued earnings, and have fun with $5 million bucks
>>56685574
>receive 2 payments over the next 2 years
>die in a car crash in year 3

>> No.56685651

>>56685622
All income is taxable income you fucking retard.

>> No.56685675

>>56685651

No it isn't. How fucking stupid are you? People get tax free gifts and tax free income all the time, it's conditional.

>> No.56685688

>>56685675
you can receive up to $10,000 per tax year in gifts

>> No.56685698
File: 32 KB, 355x355, dGhj0yXCs50Dy-8qNkxhG1bOo7qI0JgNhHu-Z81vDJA.jpg [View same] [iqdb] [saucenao] [google]
56685698

>>56685675
Cumming in your vagina is conditional too

>> No.56685701

>>56685574
and then invest the rest and make 6%/year

it would take 50 years of $400,000/year to reach $20,000,000

vs what you could do with $20,000,000 up front

$20,000,000- $12,000,000 = $8,000,000
$8,000,000× 1.06^(50 years)= $147,361,234
then take off 20% for cap gains =
$117,888,987

obviously you could invest the $400,000/year as it comes in too, but that math is beyond me and regardless it would be significantly less

>> No.56685730

>>56685688

Oh wow. Taxes are that simple huh? You must have gotten the Good Little Goy manual on "tax breaks."

>> No.56685757

>>56685584
You can invest those 20M$ into dividend stocks and get like a 3% of growing dividend yield.

Assuming that you don't have to pay taxes on those 20M$ that would generate 600k$ yearly, and it probably grow with time.

So lump sum beats 400k$/year for life.

And if you get taxed, you'll get taxed either way, lump sum or 400k/year.

>> No.56685769

>>56685730
yeah they're pretty easy

>> No.56685770

I would take A, B doesn’t become profitable unless either your life expectancy exceeds 130 years or rates are around 1%

>> No.56685776

>>56685574
I'll take my lump sum in monero

>> No.56685849

>>56685613
Are you actually 70? The woods schizo?

>> No.56685860

>>56685770
To make this make sense with current rates, the question would have to be around “would you rather take 12 mil lump or 1.5m a year for life”, is the only way given roughly current risk free rates that the principal someone would pay to have you sign your payments over would make sense.

>> No.56686326

>>56685533
what a dumb thread, the real question is would you rather have $20 million or have the woman in OP's pic unconditionally love you

>> No.56686332

>>56685533
anyone who can do basic math chooses A

>> No.56686339

>>56685533
Neither. Handouts are for minorities who are too stupid and feeble to create their own wealth.

>> No.56686367

>>56685533
Stupid question.
You obviously take A and put half in 10 year treasuries. That way you have the
the annual rate from scenario B + $10M cash.

>> No.56686505

>>56685574
spotted the brainlet

>> No.56686519

>>56686326
now we're talking

>> No.56686584

>>56685533
With $20 million I could easily make $500,000 a year just by giving it to an investment firm

And I would still have the $20 million

>> No.56686601

>>56685533
I would take the 20 million lump sum only if that is AFTER taxes and I can keep all of it. Because If you live in california the government will take 45% of it

>> No.56686667
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56686667

>>56685533
A, and would use that money to rent a fucking lot of nfts on IQ to triple that amount kek

>> No.56686748

>>56685533
A.
>what is inflation and compounding interest

>> No.56686749

You guys are retarded, don’t forget about inflation. 400k will be something like 100k in 20 years time

>> No.56686769

>>56686584
or stake it and forget the investment michael burry shorting bottoms firm.

>> No.56686777

>>56685533
B or you're an idiot. One wrong move and you lose everything on A.

>> No.56686790

>>56686777
400k/year NOT month
I take that back, right answer is A.

>> No.56686791
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56686791

>>56685849
>are you Le Dusty Grandpa

>> No.56686986

>>56685533
400k will buy you a bag of tuna cans in 10 years

>> No.56686999

>>56686749
you wish

>> No.56687077

>>56686667
Kek, what a horrible concept

>> No.56687080

>>56686667
>He's a poorfag that has to rent NFTs in order to make it
>Gonna keep renting if he gets 20M
You amaze me

>> No.56687085

>>56685533
A in a heartbeat retard

>> No.56687087

>>56686667
Get the fuck out of my property, faggot

>> No.56687157

>>56686777
>One wrong move and you lose everything on A.


If you make ONE $20 million play and lose you deserve it. You don't put that type of money into a single investment.

>> No.56687207
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56687207

I only accept poon coin. Because the only truly valuable money is poon coin. 1 sexual encounter=1 poon coin. 1 poon coin is denominated into 100 thrusts or cents. This is backed by a basket of women that are contractually obligated to redeem poon coins for sexual encounters.

>> No.56687275

>>56685533
this isn't a serious question. you just wanted to post this mediocre looking girl

>> No.56687348

I would give 1 million each to 19 sluts who all have to sleep with me in demand for the rest of my life. Of course it wouldn’t be too intrusive for any of them because there’s a 1 in 20 chance that they’d be summoned to my house… so at bare minimum theyd only have to see me once every 20 days but it would really only be once every 60-80 days because I’d need 3-4 days off in between each to recalibrate. Then I would buy a nice home for 500k and then invest half the other 250k into chainlink and the other 250k in meme cum coins. Chainlink gets me back to 20 million within 10 years or once of the cum coins gets me back to 20 mil faster. So I’m am insulated on all sides. Pussy anytime I want from a harem of 20 bitches. A modest home that’s mine. And investments that will get me back the 19 million I spent on women.

>> No.56687543

>>56687207
Make a goon coin faggot and we are interested.

>> No.56687557

where do you get 6 -8 % returns? in Vanguard sp500 fund? i got 200-500k to dump in to boomer funds

>> No.56688310

>>56685533
A. cause Im not black or a woman or a bean

>> No.56689543

>>56685533
B)

I'd be able to live without working I assume?

>> No.56689555

>>56685533
The third choice. Id rather donate all the money to the church and read the bible

>> No.56689566
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56689566

>>56689555
Based.