Would you rather thread

[Anonymous No.8673118]

Get a million bucks lumpsum now or 75k per year for the rest of your life

[Anonymous No.8673152]

>>8673118

This is a good way to split the retards from those with common sense. The 75k is the obvious choice. Now, if you were to say 30k/y it might be something of a dilemma

[Anonymous No.8673161]

>>8673118
Anyone that doesn't choose 75k per year for the rest of your life is fucking retarded.

[Anonymous No.8673169]

75k of course
I plan to life longer than 15 more years

[Anonymous No.8673178]

75k if it gets adjusted by inflation

[Anonymous No.8673180]

>>8673118
take million

put it all in btc

[Anonymous No.8673190]

>>8673161
I don't know man, in 10 years 75k will be worth no more than 10k now.

[Anonymous No.8673193]

>>8673118
Lump sum, because of TVM.

[Anonymous No.8673198]

>>8673118
I'd take the million but I have a terminal illness and will be dead in 5 years

[⭐Anonymous ⭐ No.8673212]

>>8673193
literally this

If I had a million dollars now, I could do so much more with it with my whole life ahead of me than I could with 75k/yr.

[Anonymous No.8673223]

>>8673118
I'd take the million and go all in on DBC :)

[Anonymous No.8673236]

Even if it doesn't adjust for inflation a steady yearly payout is a hell of a lot more manageable than $1 million straight up and I can't lose it all from dumb choices of my own

[Anonymous No.8673257]

>>8673118
75k easily
You could fuck off with 25k, invest 25k, and live like a neet with the other 25k every year.

[Anonymous No.8673274]

retarded, so if you're 25 and take the 75k/yr you'd make the whole 1m by age 38, then everything after is just cream - so live to 85 and you'd see 4.5 mil altogether, and that's for doing NOTHING
take the 1m and what, fuck it off on this ponzii crypto? i can see 90% of jabrones here doing that

aka you're 100% retarded if u don't take the 75k

[Anonymous No.8673289]

>>8673212
Faggot

[Anonymous No.8673306]

>>8673118
The question really is:
How long do you plan to live?
The implications are massive.

[Anonymous No.8673307]

>>8673118
1 million due to opportunity cost of investing

[Anonymous No.8673318]

>>8673180
Lose 80%, need yo pay tax on mill, kys

[Anonymous No.8673337]

1 mil. Use the money, grow it.

Choose 75? Enjoy inflation

[Anonymous No.8673338]

The people who didnt take the lumpsum are never gonna fucking make it.

[Anonymous No.8673370]

>>8673178
This, seriously.

[Anonymous No.8673372]

>>8673118
for a non retarded investor (not you people), lump sum

know you retards you would invest all 1 million in the first year alone and wouldn't average down into anything, so the 75k a year would save your ass and force you to average down yearly at the very least

[Anonymous No.8673376]

>>8673118
are they both tax free?

[Anonymous No.8673378]

>>8673118
>Million dollars now
>Buy bitcoin & alts
>Be a billion/trillionare in 5 years
>Meanwhile all these brainlets are waiting 13 years to get what I got day 1

[Anonymous No.8673397]

the million now and buy chainlink with it to make a cool billion by eoy

[Anonymous No.8673405]

1 million lump sum
>what is compound interest

[Anonymous No.8673406]

>>8673337
I will also take the million.
Invest 1 million in share market now. Reinvestment of dividends in 7 years = 2million
7 years of 75K, even with investment = less than a million.

[Anonymous No.8673415]

Lump sum. Toss it into a portfolio yielding 7.5% annually on average. Congrats. You now have both 75k a year in earnings and $1MM in the bank. Oh, and if you're smart, you can devise ways of circumventing inflation whereas your 75k in your 30 will probably be worth jack shit.

[Anonymous No.8673432]

Call me a faggot but I would take the lump sum 1m. Put it in an investment yeilding 10% a year. Take the other $25k and re invest into original. I don't have the time to calculate it but it would be a butt load more then the 4.5mil you'd make taking 75k over 60 years.

[Anonymous No.8673433]

>>8673415
Wait a sec are any of us lump-summers accounting for taxes?

[Anonymous No.8673452]

would you rather rape or murder

[Anonymous No.8673453]

>>8673433
I assumed either option was after taxes. As in money I actually get.

[Anonymous No.8673462]

Lump sum is mathematically superior for a dozen different reasons

[Anonymous No.8673473]

>>8673453
as in after putting it in an investment like in
>>8673415
>>8673432

[Anonymous No.8673475]

>>8673452

then not or

[Anonymous No.8673499]

>>8673118
you could literally take a million dollars invest it in property and make 100k+ a year while having a million in assets

[Anonymous No.8673513]

>>8673152
Your a fucking idiot. You invest the lump some and if you want to play it safe put the lump sum in a mutual fund and let it sit

[Anonymous No.8673543]

>>8673513
yup, we know who is the idiot here

[Anonymous No.8673577]

>>8673543
Oh shit thought it was 75,000 of the million and not for the rest of your life. Then 75,000 for sure

[Anonymous No.8673583]

>>8673118
Holy fuck anyone that picks a million is full retard

75K for the rest of my life, easily. But then again, most people on this board probably have multiple decades left to the point where it could end up being several million over their lifetime

[Anonymous No.8673586]

>>8673577
see>>8673499

[Anonymous No.8673588]

14 years with 75k/year will get you 1 million

[Anonymous No.8673607]

>>8673588
If you had a million bucks, you could easily double it in safe markets within 14 years and have 2 million by that point, while you were also living off it in the mean time.

[Anonymous No.8673614]

>>8673588
14 years with 1 million will get you ???

[Anonymous No.8673622]

>>8673588

The 1 mil makes almost as much with only a 6% return without the time constraint.

[Anonymous No.8673623]

>>8673118

Take the mil. Invest it and become trust fund adult. Also, the money outlives you. if it receive the 75k it ends with your death. the mil can, if managed properly, change your family tree beyond your own life.

[Anonymous No.8673637]

>>8673583

If you are guaranteed the 75k for the rest of your life and it has no other limits, then the 75k easily wins in this hypothetical situation.

In the real world, the lump sum is just the safer bet.

[Anonymous No.8673641]

>>8673588
Ha just kidding I was only pretending to be retarded

[Anonymous No.8673669]

>invest 1m
yup people are going to be shat on when they try go to a fund manager

its funny how people think they get 7.5% with that low of a number

[Anonymous No.8673674]

this.. >>8673190

if I properly invest that mil today it could turn into 20-30 million by the end of my life.. just doing the math quick gives me less than 3 mil by the end of my life, and given inflation 75k wont support half a year by the end of my life.

>>8673198
shitty dude, hope you are able to enjoy whats left

[Anonymous No.8673693]

>>8673577
el retardado

[Anonymous No.8673711]

anyone not taking the 1m is fucking retarded

[Anonymous No.8673745]

If the 75k doesn’t go up with inflation then 1 mill is better. If it does then 75k is the best.

[Anonymous No.8673796]

Obviously the lump sum

75k is not even one lambo. 1 mill is 3

Not exactly rocket science

[Anonymous No.8674084]

Wow this thread really separates the retards from the smart anons

[Anonymous No.8674100]

>>8673161
I have aids and will die in 6 months...
Am I retarded?

[Anonymous No.8674123]

>>8674084
>doesn't give his own choice

[Anonymous No.8674137]

>>8673796
thank you anon

[Anonymous No.8674143]

>>8673118
1 million dollars now.
Buy 1 million worth of stocks.

Get 100k per year and keep reinvesting it.
While I work my 50k job and invest 20k per year.

[Anonymous No.8674179]

>>8673118
http://www.bbc.com/news/world-us-canada-43561379

A Canadian teen took $1,000 a week over $1 million dollars. I think she did the wrong choice.

[Anonymous No.8674227]

>>8673118
Million bucks now, buy properties, make bank off of those while maintaining appreciating assets. I'd keep wagecucking for another 5-10 years though, and then retire at 30-35, being completely set for life.

>>8674179
She absolutely did make the wrong choice. $52k/year is nice neet money for now but you can get more than that just from the dividends 1 million would give.

[Anonymous No.8674243]

>>8674179
>I think she did the wrong choice.
For an average person, investing is something they can't comprehend.

With 1 million dollars. If you put it all on VOO. You'll get 8% on average returns with 1.5% in dividends per year. That's like 9.5% return which is 95k per year.

[Anonymous No.8674283]

>>8673118
1 million now, all on red.

[Anonymous No.8674290]

>>8674243
>>8674227
Not only that but if something catastrophic happens and you need to borrow 200k dollars at 12% you done fucked yourself if you took the 52k/year.

[Anonymous No.8674315]

>>8674243

this.

anyone who says otherwise is a brainlet

[Anonymous No.8674320]

>>8673118
75K
Really takes the pressure off so I can concentrate on getting properly wealthy.

[Anonymous No.8674350]

>>8674243
Isn't the stock market bound to crash soon 2008 style?

[Anonymous No.8674367]

>>8674350
Yes, and Canada is going to completely fall apart. They don't even have a real economy to fall back on.

[Anonymous No.8674395]

The present value of the annuity is worth less than 5 digits unless the market rate is going to tank for the next umpteenth couple of years.

You can drag your dick across ETrade with a million and do better

[Anonymous No.8674433]

>>8674395
I'm retarded. 10% not 10 flat. Still need the market to do fucking awful to make taking the flat annuity worth it.

[Anonymous No.8674440]

>>8674367
Then the other anon recommending investing in S&P 500 is bad advice then

[Anonymous No.8674461]

>>8673118
You'd be a moron not to take the 75k a year.
You would make over a million just over 13 years.

[Anonymous No.8674497]

>>8673118
keep current job, take $75k and use it to acquire some rental properties and build up a network of tenants until it pays my living expenses with a surplus. gradually use more of the income to invest in crypto, precious metals, and maybe some blue-chip stocks with dividends and a vanilla index fund

that, or just use a small portion of the $75k to travel abroad and spend some time in comfy places with low COL

[Anonymous No.8674511]

>>8674350
You'll hear /biz/ keep saying that for no reason.

Let's say it does.
You bought 1M worth of stocks right at the peakest peak of the market 2007. In 1 year you'll have 590k valued of stocks in 2008.

In 2009 it'll be valued at 700k

In 2010, it'll be valued at 826k.

In 2011, 880k,

2012, 1M

2013, 1.2M

Etc.

It's not a big deal. The value of businesses is better than commodity. Keep in mind, the value of the dollar also fell 50% during that time.

If you want to wait for the crash, you'll be waiting a long time. Cause everybody is expecting a crash. That's not how crashes work.

[Anonymous No.8674542]

>>8674461 More like you're a moron for not understanding the time value of money. If the 75k doen't go up with inflation then it's by means a no-brainer.

[Anonymous No.8674583]

>>8674542
You're arguing with people shilling shitcoins that they all think will be as large as bitcoin was. Of course they don't understand the time value of money or how purchasing power decreases.

[Anonymous No.8674594]

>>8673118
with 1million you get already 100k/year in any low risk investment, so 1million is the best option and only an utter retard wouldn't think so

[Anonymous No.8674610]

>>8673796
/thread

[Anonymous No.8674620]

>>8673118
lumpsum. there's no guarantee that whatever entity keeps paying me 75k a year forever

[Anonymous No.8674626]

>>8674511
Very informative...still it must suck to watch 1 million get cut in half, if I waited a couple years after the 2008 crash I would be in a much better position.

[Anonymous No.8674656]

>>8673338
>never gonna fucking make it.
>75k every year.

I'll take the 75k Its way less effort and less risk. Getting a million is like a basket of eggs that you could drop if your'e not careful. I'd rather just have two eggs every morning for breakfast and not worry.

75k is more than enough to be on holiday forever.

[Anonymous No.8674658]

>>8674243
Why not something like VTSAX over VOO? Is VTSAX too diversified?

[Anonymous No.8674660]

All you guys saying 10%, 7.5% return etc are you for real?
The safe withdrawal rate is like 3%. $30k / year.
In what universe can I withdraw 7.5% of my starting capital a year and not be taking a huge risk?
> I have some capital, if I was comfortable spending 7.5% I could literally retire now. Convince me this is safe.

[Anonymous No.8674685]

>>8674660
10% return doesn't necessarily mean 10% withdrawal.

[Anonymous No.8674687]

>>8674626
It happened to me. Since then, I have a distribution of assets that let me sleep at night. In fact, should we have another crash, I will be able to take advantage. Having a plan is key.

[Anonymous No.8674689]

>>8673274
>being a brainlet who can't into passive income

[Anonymous No.8674700]

>>8674687
Care to elaborate...?

[Anonymous No.8674745]

>>8674700
I always hold some cash, bonds, and gold. They're boring as shit until they're not. Should we crash they'd be rebalanced into equities, always maintaining my planned allocation into the various asset classes.

[Anonymous No.8674750]

>>8674626
It would suck but a smart investor knows that the value will be back.
Buffet purchases stocks forever.
If the stock value goes down, buy more.
It'll give you higher returns it'll average out.

>>8674700
>Care to elaborate...?
Money can be made in crashes.
And recovery.
The guy probably doesn't care about his assets right now because he has them for long term. When the value goes down, it's cheap and you buy it.
This is why day traders don't make money and long term investors always do.

Just think of stocks as business you're buying. Don't think of it like "something that goes up and down".

[Anonymous No.8674764]

>>8674745
share allocation here
t. brainlet

[Anonymous No.8674782]

>>8673118
>75k per year for the rest of your life
This. It's enough to enable you to do whatever you want with your life. A million dollar lump sum could be more profitable under some scenarios, but I would still prefer the annuity, since no matter how bad I turn out to be with money, I'll never be able to fuck it up completely.

[Anonymous No.8674794]

>>8674764
It's going to depend on your own risk tolerance, portfolio size, standards of living, age (if you're in the workforce), etc., so no easy answer for everyone. But personally I'm 40 and plan to continue working for the next 10 years or so, and I have about 65-70% in stocks (I have a range there as I'm a fan of convertible bonds)

[Anonymous No.8674806]

>>8673180
You will never have wealth, you're a degenerate gambler. You're so blinded by cryptogreed, you don't do basic math - 75k a month is 900k a year, no matter what. Over a typical lifetime, of 70 years (longer, you'll be rich), that's more money than bitcoin will make any time soon. Put half of that 75 a month into traditional investments, you'll grow the money faster than anything in crypto, at less risk, and still live better than 95% of the planet.

But 'Hurrr durrr, million on Bitcoin", right?

Retard.

[Anonymous No.8674853]

>>8674806
it's 75k a year not 75k a month actually

[Anonymous No.8674875]

>>8674656
75k at 3% inflation a year will be worth 55k in 10 years, 30k in 30 years, 16k in 50 years, 9k in 70 years.

[Anonymous No.8674877]

>>8674806
>>8674853
this is you

lmao

[Anonymous No.8674895]

mfw btc doesn't dip for 7 days in a row

[Anonymous No.8674898]

>>8674806
>75k a month

thanks for making me feel smarter anon, I needed the pick me up.

[Anonymous No.8674913]

>>8674806
6/10 made me smile

[Anonymous No.8674914]

mfw btc doesn't dip 7 days in a row

[Anonymous No.8674922]

>>8673118

the only answer is 75k per year. That would be a yearly interest rate of 7.5% on your 1 million. Common sense retirement say withdraw 4% to preserve principal long term. So 75k per year that is assured is like having 1.875 million up front, but without downside risk of black swan events or beginning withdrawls during a market crash period.

give me the 75k per year

[Anonymous No.8674964]

>>8674656
>Take the million
>Put it in an etf that yields 7-8% annualy
>Make 70-80 grand a year anyway while STILL having the million.
>Make even more over time because of compound interest if reinvested

Look senpai, I dont anyone on this board to have a degree in finance, but if you're gonna be throwing your life saving please FOR THE LOVE OF GOD do some light reading into finance and investing.

[Anonymous No.8674971]

Suppose we have an initial investment of 1 000 000, in 40 years pa. 7.5% it will grow to 18M44K.
In the same period, a 75K per annum stream, reinvested at the same 7.5% per annum interest will grow to 18M 322K.
What happens if the per annum yield is 10%? 1M grows into 45M and the yearly dividend of 75K to a 'mere' 36.5M. However, at 5% interest, the 1M grows into 7M and the yearly payment into 9.5M.

The short answer: it depends on the expected yield and the investment period.

[Anonymous No.8675035]

>>8674922
You aren't thinking straight, because with the million you have returns on investment plus a million dollars.
You're thinking that 75k a year for 14 years is 975K, so everything after that is free money compared to taking the 1 million. But in that time 1 million dollars invested at 6% would be worth 2.26 million dollars.

[Anonymous No.8675049]

>>8673118
Finance 101 question - comparing a lump sum to the PV of a perpetuity. I'll assume that inflation remains at 2% year on year and we can consider the risk free rate as 2.8%. The real discount rate is 4.8% then. 75k/0.048=1.56M. We'd pick the perpetuity but I'd still go for the lump sum, because my expected annual RoR would also be included in the discounting.

[Anonymous No.8675098]

Except 'for the rest of your life' isn't exactly a perpetuity unless it's possible to grant a transfer of rights upon your death.

[Anonymous No.8675115]

Anyone who says 75k annual is a brainlet. One million lump sum can be invested into things that will give a much greater return over the next 10+ years

[Anonymous No.8675202]

>>8674971

Yep. There are, however, additional intangible factors to this that I would account for. First, I don't trust the lottery or whoever is doling out the cheddar to last; it could go belly up at any time and the payments stop leaving me with no recourse. Second, never count on living to ripe old average age for your sex and geographical location.

Lump sum for me. I want sole control of funds immediately without strings and contingencies.

[Anonymous No.8675257]

>>8673118
I am retarded and love Thai hookers, I would take the 75k to protect me from myself.

VIP Thai Visa for 12K and a nice condo in Pattaya.

[Anonymous No.8675287]

>>8675202
Sure, in real world, yes. I was just answering to the thought experiment OP presented under the assumption that everything is given - i.e. no stochastic factors in play.

[Anonymous No.8675302]

One mil now.

I can buy rentals that pay 5 to 8% plus keep up with inflation.

[Anonymous No.8675303]

If we assume this is after taxes. The lump sum is better because if you invest 1 mil at 7.5% you’ll earn 75k the first year. After that it compounds and sky rockets your net worth. 7.5% growth is not that hard.

[Anonymous No.8675322]

>>8675303
What investment gives 7.5% consistent growth? S&P 500?

[Anonymous No.8675338]

>>8675322
Look at the returns since 2009, it can only keep going up forever.

[Anonymous No.8675347]

>>8673118
anyone not taking lump sum doesnt understand finance.
think in terms of opportunity cost and look up what present value of a dollar means.

[Anonymous No.8675417]

>>8675338
Nothing lasts forever, not even you

[Anonymous No.8675441]

>>8675322
OK then let’s assume 4% growth. You’ll start earning 75k/year at year 17.
If you invest all the 75k also at 4% growth, the 1 mill will still be worth more in the same amount of time.

[Anonymous No.8675506]

>>8673118
If you earn 75k a year then it will take you 14 years to make a million dollars. The only situation in which 1,000,000 upfront is worth it would be a scenario where you know you can earn a lot of money, but need capital for it. If I took that 1,000,000 and invested it. I might expect 10% gains a year, since that's what the market tracks at. In 28 years I'll have about 14 million dollars. If I took all of that 75k and invested it over the same time, and with the same return, I would get 11 million. Technically this means a million dollars is a better choice. But I don't think the risk is worth it. With 75k a year you could retire and live a very comfortable life right now. You can't do the same with that one million. Plus if you under perform the market, then you can still live well. If you lose that million then it's GG.

I can appreciate people who take the one million, so long as they put more thought into it than how much it can fuel instant gratification, but it's always safer to bet on yourself being stupid and incompetent. 75k a year is better. You also have to assume there's no taxes, because that makes things way more complicated.

[Anonymous No.8675542]

>>8674367
Not only do we not have a real economy, but we also don't even have any kind of foundation to this country. The US has the Constitution, we've got nothing.

[Anonymous No.8675563]

>>8674806
I bet there was slobber flying everywhere while you wrote this.

[Anonymous No.8675616]

>>8675506
you dont know what youre talking about at all

[Anonymous No.8675665]

>>8674100
Retarded enough to catch AIDS

[Anonymous No.8675680]

>>8675542
It's called the charter of rights and freedom you retard and Canada has absolutely huge natural resource deposits and industry to fuel its economy

[Anonymous No.8675712]

>>8675542
You can continue to be our hat. We'll always appreciate you for that.

[Anonymous No.8675731]

>>8673118

I would absolutely go with 1 Million.

Then I'd invest fully into LINK and end up with 200 mil

[Anonymous No.8675812]

>>8675680
>charter of rights
I am just going to ignore that you said that. Charter of Rights is some half ass bullshit.

[Anonymous No.8675903]

>>8673118
Take the million now and invest. Here is why:

If you invested safely (5% per year) the 75k each year it would take you 10 years to reach a million.

sum of 75000*(1.05^x) from 1 to 10 ~= 990k

Take the one lump sum:

1000000 * (1.05^10) ~= 1.6million

This is obviously assuming that you get 75k/1m net AFTER tax and it’s 5% net gain after capital gains.

At about 20 years out they are about equal.

But with a million on hand now you can make wider investments on day 1 that can spiral into more and more capital to work with over time. From day 1 of 75k you have less than a tenth of that to invest with. You aren’t buying anything big or risky enough to truly get the ball rolling. You’re basically getting a free middle manager income.

I have self control so I’d pick the million. Day 1 let’s me work with the money as if it’s an investment pool rather than normal salary. Make the risks now, have them pay off or kill me sooner. 75k for people with bad self control and who would just put it into something stupid like Tesla or Crypto because “le future is nao”

[Anonymous No.8675943]

>>8675903
youre not even calculating compounding interest which makes the lump sum the even more obvious correct choice

[Anonymous No.8675965]

The higher your return rate above 6% the better the million dollars is, the lower your return rate the better the 75k is.

Play around with this calculator to see for yourself.
http://www.calculator.net/investment-calculator.html

[Anonymous No.8676009]

>>8675943
That’s true, my bad.

[Anonymous No.8676025]

>>8675965
Now my computer has the Irene Demova virus. Thanks cunt

[Anonymous No.8676079]

>>8676025

huh? I have an adblocker didn't notice anything

[Anonymous No.8676085]

>>8673118
>>8673161
What if dollars become worthless?

[Anonymous No.8676137]

>>8673118
Has down syndrome actually gone airborne?

Obviously take the million dollars now. You take those million dollars and even with a fairly moderate portfolio, you can pull of 7.5% returns per year. Then you can choose to cash in those 75k per year and have a million more in assets or save up and let compound interest do its magic.

I know its hard for wagecucks to understand but, being financially responsible is not hard.

[Anonymous No.8676188]

>>8676137
people are just uneducated and dumb enough to actually type out their hair brained ideas

[Anonymous No.8676234]

>>8673118
>take 1m instantly and possibly lose most of it with dumb decisions
>or take a years salary worry free every single year and slowly teach yourself how to invest it

[Anonymous No.8676255]

>>8673583
>Holy fuck anyone that picks a million is full retard

Someone just diagnosed with a terminal illness.

Someone in their 80s.

[Anonymous No.8676276]

>>8676255
someone who understands what compounding interest or opportunity cost or inflation is

[Anonymous No.8676314]

>>8676188
>Team chocolate
>>8676234
>Team peep

Okay it's april.
I am done for today.

[Anonymous No.8677215]

Many will say that the lump sum is the correct choice however look at it from this perspective. Regardless of how your life situation is, youll be making 75k yearly just for existing.

Idk about yall but knowing I have that cash flow for the rest of my life would allow me to live a much less stressful life.

>money isnt everything unless you dont got it

[Anonymous No.8677393]

>>8677215
what youre saying is you would rather have less money because its easier to understand getting a 75k annuity than understanding how interest works

[Anonymous No.8677442]

>>8677215
the way I see it if you know what you're doing then the 1 million is the better pick
if not then the 75k is good

if you give the average person 1 million they probably won't invest much of it, kinda like how lottery winners end up broke all the time

[Anonymous No.8677468]

>>8673118
I'mma take the periodic payments.

[Anonymous No.8677990]

>>8675616
Why do you say that? It's basic compound interest.

[Anonymous No.8678148]

>>8677990
you think its more risky to put all 1 million into investments, but its not risky to put all of the 75k annuity into investments
you dont understand opportunity cot or inflation

[Anonymous No.8678532]

I'd take the million bucks and buy bitcoin.

[Anonymous No.8678587]

lmao @ all of these brainlets taking the 75k a year

its going to be close to worthless later on in life as inflation destroys it. take the million now, invest it, become a billionaire tomorrow

[Anonymous No.8679187]

All these morons with zero understanding of basic econ 101 concepts picking the annuity. Shows that you have to be a real retard with zero understanding of finance to ””invest”” in pedo pesos. Hf losing all your money morons

[Anonymous No.8679831]

it depends. if 1000 people owed me 1 million i'd take the 75k a year but if it's just one person i'd take the million.

[Anonymous No.8679932]

Take the 75k annuity, immediately sell it for $2m.

[Anonymous No.8680799]

>>8673152
Confirmed 105. 1M right away even in a conservative investment vehicle gives you 3-4% a year.

After 10 years:
A) 1M lump sum at 4% per year = 1M5
B) 5k each year at 4% per year = 900k

After 20 years:
A) 2M222k
B) 2M233k

Even with the most conservative investment profile, you need 20 years to break even. Be any more aggressive in your positions and the 1M lump sum blows the 75k a year.

Worse still, this is all napkin math discarding opportunity cost, inflation and geopolitics risk. Getting 1M while you're young and can leverage it beats getting 2M two decades from now. The hardest part of business is making your first million.

[Anonymous No.8680827]

I lurk a lot. I think these colors are based on how often we post vs how many threads we enter.
Drunken rambling, just a thought.
Now gimme Dat monees

[Anonymous No.8680908]

>>8675441
>Suppose we have an initial investment of 1 000 000, in 40 years pa. 7.5% it will grow to 18M44K.
>In the same period, a 75K per annum stream, reinvested at the same 7.5% per annum interest will grow to 18M 322K.
>What happens if the per annum yield is 10%? 1M grows into 45M and the yearly dividend of 75K to a 'mere' 36.5M. However, at 5% interest, the 1M grows into 7M and the yearly payment into 9.5M.
>The short answer: it depends on the expected yield and the investment period.

Suppose we have an initial investment of 1 000 000, in 40 years pa. 7.5% it will grow to 18M44K.
In the same period, a 75K per annum stream, reinvested at the same 7.5% per annum interest will grow to 18M 322K.
What happens if the per annum yield is 10%? 1M grows into 45M and the yearly dividend of 75K to a 'mere' 36.5M. However, at 5% interest, the 1M grows into 7M and the yearly payment into 9.5M.

The short answer: it depends on the expected yield and the investment period.

[Anonymous No.8681300]

1 million lumpsum is the better choice if you know anything about investing and managing your finances, 75k is safer for brainlets

if you pick 75k you're a brainlet, sorry boyos

[Anonymous No.8681369]

>take $1m
>invest in safe 7.5% annual return
>get $75k a year and still have the $1m

[Anonymous No.8681730]

>>8675563
OMG lol you made it come out my nose

[Anonymous No.8681771]

>>8675441
brainlet

[Anonymous No.8682491]

>>8678148
If you put 1 million into investments and lose it all then that's the end of it. If you put 75k into investments, and lose it all 20 years later; you'll still get 75k next year. Also what do opportunity cost and inflation have to do with this?

[Anonymous No.8682568]

>>8682491
If you put 1 million into investments and lose it all then that's the end of it. If you put 75k into investments, and lose it all 20 years later; you'll still get 75k next year.

the first scenario is less pathetic for the loser, and way better for society.that wont have to suffer the loser lingering around for decades.

[Anonymous No.8682576]

>>8673198
Sorry to hear that anon. Hang in there.

[Anonymous No.8682600]

>>8673118
1 mil now and buy rental properties for income.

I don't know what's going to happen to the dollar over the next 15 years plus there is the opportunity cost of not investing a larger sum now.

[Anonymous No.8682692]

>>8673118
Id take a million because i dont expect to live for 10 years + unfortunately. I'd fuck a few high class escorts, photomodel tier, and then I would buy something like a park or a forest for people to do lsd in. Taking acid was one of the best experiences in my life and I sincerely hope that everyone will take this heavenly substance at least once in their lives. My park would be a sanctuary for young people.

[Anonymous No.8683084]

>>8673118
1 million / 75,000 = 13

Based on math I'd take the 1MM all at once I'd also like to pay 40% tax and then put 100% in LINK

[Anonymous No.8683178]

>>8682568
I don't see how losing all your money is less pathetic than never having to work a day in your life. You aren't providing arguments at this point.

[Anonymous No.8683405]

>>8674179
It says the $1k per week was not taxed. So what would she have got if she chose $1M?