$5 million now or $200k/year for life

[Anonymous No.8687300]

[Anonymous No.8687335]

200k year for life lol

[Anonymous No.8687360]

5 mill now because how do I know I will keep getting the monthly check?

[Anonymous No.8687372]

>>8687300
5 mill obviously. Just investing it into the market and getting the average return of 6-7% would already be 300k+ annually.

[Anonymous No.8687373]

>>8687360
this

[Anonymous No.8687379]

>>8687300
If you have an entrepreneurial mind go for 5 million now.

[Anonymous No.8687381]

>>8687360
because thats the scenario OP presented you fuck

200k a year for life

t.22

[Anonymous No.8687387]

5 million so I could buy a castle while I’m young

[Anonymous No.8687402]

>>8687372
>Houses market crashes again
>Lose 90% of investment
>Takes 10+ years for market to recover
>Kill yourself in meantime

[Anonymous No.8687407]

5m now so i can invest it and actually offset inflation.

enjoy your 200k that's worth 30k in today's money when you're 75 brainlets

[Anonymous No.8687411]

>>8687372
This right here. Take annuals, put 'em into shitcoins and gamble a bit.

[Anonymous No.8687421]

>>8687387
Only costs like 2.5 million for a decent castle.

[Anonymous No.8687587]

>take 200,000
>become woman
>move to okinawa japan
>average life expectancy 90 for okinawan women

tfw my japanese children have $15,000,000+ inheritance

[Anonymous No.8687636]

>>8687372
You would pay $2.5 million in taxes on $5 million now.

[Anonymous No.8687647]

>>8687300
5 million now because ill likely be dead in 25 years anyway

[Anonymous No.8687699]

>>8687300
Present value of an annuity question. Assuming you live another 55 byears, even you reinvest the 200k at 9% interest, it's present value is $2.5M. take the $5M and invest it now.

[Anonymous No.8687721]

>>8687402
>>Lose 90% of investment
Never happened even during the great depression. You're retarded

[Anonymous No.8687730]

200k and I'd keep my work but go down to 5 hours/day to keep busy

[Anonymous No.8687756]

>>8687721
happened during the great crypto depression 2018

[Anonymous No.8687766]

$5m now (pic very related)

[Anonymous No.8687772]

>>8687721
Stocks literally lost 90% of their value in 2008 you fucktard.

[Anonymous No.8687795]

>>8687300
$5m now. I don't plan on living long enough for $200k/yr to be worth it in comparison.

[Anonymous No.8687811]

>>8687407
>What is interest?

I agree though. I'd rather have 5 mill now and try and triple it than $200,000 a year and have to live the rest of my life to a budget (all be it a nice, secure one).

[Anonymous No.8687812]

>>8687300
5 mil in hard cash.

[Anonymous No.8687817]

>>8687300
200k in 10 years will get you a candy bar if youre lucky.

[Anonymous No.8687859]

>>8687300

$5 million worth of AMB is going to be worth a lot EOY so i'm taking that upfront and putting a nice downpayment on my moon mansion.

[Anonymous No.8687872]

Is /biz/ really this bad at finance? It's a simple perpetuity comparison.

If you can earn more than 4% per year on the 5mil take it otherwise take the 200k

[Anonymous No.8687885]

>>8687372
this.

[Anonymous No.8687886]

>>8687872
thread

[Anonymous No.8688074]

>>8687300
>take the '$200k/yr for life' option
>fast forward 10 years
>$200k is now worth about 0.000001 BTC
>yfw you can't even buy a latte with that

[Anonymous No.8688229]

5mil and anyone who says otherwise doesn't belong on /biz/.

[Anonymous No.8688279]

>take 5 mil
>buy a shitload of bitminers and ruin a farm
>earn a few thousand a day
>investment paid off within the year

[Anonymous No.8688354]

yes

[Anonymous No.8688415]

>>8687300
if i hired a professional forex trader and paid him 50k for one month of his time to tutor me, i could then make 10 mil a year with that 5 mil so 5 mil now.

[Anonymous No.8688420]

>>8687335
> what's the inflation
> what's the collapse of USD

[Anonymous No.8688522]

i would crypto-gamble the shit out of those 5 millions 2bh

[Anonymous No.8688550]

>>8687300
I’ll take the five million and put almost all of it in precious metals.

[Anonymous No.8688609]

>>8687421
where?

[Anonymous No.8688614]

>>8687300
5 mil
1M house, 2M rental property, 1M land, 500k burger king franchise, 500k ether

No need to trust shekelberg to pay every year

[Anonymous No.8688622]

>>8688550
>how to lose $5 million

[Anonymous No.8688646]

>>8687300
$5 million now.
Put it all in LINK.
$5 billion a year from now.

[Anonymous No.8688686]

>>8688415
spending 50k on inverse bart pattern
;^)

[Anonymous No.8688710]

>>8687300
Depends on taxes. Is income tax 50% and rising? Do I live in zealand? Stupid question.

[Anonymous No.8688770]

Is the 200k /year corrected for inflation. If so definitely 200k/year.

[Anonymous No.8688893]

>>8688646
this is the only correct answer

[Anonymous No.8689084]

>>8687300
$5M obviously. I can draw 4% for life rather safely and more likely than not, preserve the principal when I'm dead passing it onto my heirs. More importantly, 200K a year gives you no protection against inflation.

[Anonymous No.8689132]

This thread again

[Anonymous No.8689143]

>>8687300
5 mil now. Will invest and double triple easily

[Anonymous No.8689217]

>>8687360
Cheque, American brainlet.

[Anonymous No.8689246]

>>8687300
I can't believe people on here post on /biz/, yet they're so fucking stupid that they don't know about the time value of money.

[Anonymous No.8689281]

>>8689217
*Check. We're not in Eurostan, biz is an American board.

[Anonymous No.8689299]

>>8687300
should've said 350k/year. Obviously everyone will take the 5M

[Anonymous No.8689343]

>>8687300
200k/year
Live off of 75k per year
Invest 135k per year in blue chips

5 % ROI per year isnt that hard to achieve.

[Anonymous No.8689370]

>>8689281
56%

[Anonymous No.8689481]

>>8687300
$5M now put it all in BNB, wait for 10x. Easy.

[Anonymous No.8689486]

200k a year

I dont trust myself not to bankrupt myself with a lumpsum of 5m

[Anonymous No.8689538]

5 million of course

[Anonymous No.8689559]

>>8689486
Lmao this. I'd turn the 5 million into 5 thousand in no time.

[Anonymous No.8689574]

>>8687766
bear trap

[Anonymous No.8689589]

200k/0.02 = $10million

easy choice
if you take $5m you don't understand economics

[Anonymous No.8689623]

$200k a year and put 80% of that into the market for the nextra 10 years.

[Anonymous No.8689650]

If you would take the 200k then you have absolutely no understanding of basic finance. Taking the 5 million is a no-brainer NO MATTER what your risk tolerance is. The question would be a lot more interesting if the 200k went up with inflation.

[Anonymous No.8689662]

>>8688550
its laughable that idiots like you think precious metals are a safe investment. precious metals are exactly like cryptocurrency, they only have a value because people give it value. what the fuck can a bar of gold be used for? ABSOLUTELY NOTHING. you cant walk into walmart and buy shit with a gold bar.

[Anonymous No.8689671]

>>8689650
no it isn't mong

$200k a year, risk free, in perpetuity, is worth far more than $5m now

[Anonymous No.8689686]

>>8689671
except after hyperinflation you can't even buy a bagel with $200k in 10 years

[Anonymous No.8689765]

average stock market return is 7%
.07 * 5m = 350k/year
and that's ignoring compound interest if you don't spend any. /biz/ is fucking retarded

[Anonymous No.8689768]

>>8689686
i can however buy the bagel factory with the proceeds off the $6million i have borrowed and invested

[Anonymous No.8689974]

>>8687766

what is inflation?

[Anonymous No.8690002]

>>8687300
Safe 4% returns on 5mil invested yield $200k annually anyway. I'll take the 5mil

[Anonymous No.8690077]

>>8687772
54% from its peak.

[Anonymous No.8690433]

5 million no brainer. You goys really think this system is going to continue standing much longer? I’d cash out and set myself up immediately ready for the oncoming storm.

[Anonymous No.8690478]

>>8687300
Take the 5 million, even mediocre annual returns of 4% will yield more than 200k. I'll just get a jew to invest it for me, easy.

[Anonymous No.8691011]

$5m now. no idea how much time the dollar has to it's name. guess than less than 20 years

[Anonymous No.8691068]

>>8688550
Going all in is how you lose your money.

[Anonymous No.8691090]

>>8690433
This. Shits about to crash. Take that 5 mill get yourself a nice home and land with a car and food/supplies for the apocalypse. Maybe a rape room for when I’m out on the prowl looking to cause chaos when there is no electricity of food or water anymore.

[Anonymous No.8691101]

5 mil objectively superior, according to basic math

pic related.

[Anonymous No.8691113]

>>8687372
most retarded person I've ever seen

[Anonymous No.8691120]

>>8691113
he is completely right

even if you only got 3% returns a year, 5 mill would be better. see:
>>8691101

[Anonymous No.8691125]

>>8687300

>even considering giving away your money to inflation

[Anonymous No.8691131]

>>8691120
>market crashes
>wow i lost 60% of my money in a market turn

If you think you can consistently get 6-7% on indexes you're delusional

[Anonymous No.8691154]

>>8691131
I am using 3%, and that is extremely achievable

3% a year is very achievable in the long run, and that includes market crashes


if you pick 200k a year, you don't understand compound interest.

[Anonymous No.8691155]

If you chose the 200k you are literally braindead.

Invest the 2mil at an average 10% per year yield , still have 3mil remaining .

[Anonymous No.8691183]

>>8691154
Lol
>hold the market while fed is unwinding the asset purchase plan that made it go up in the first place
>investing in dilutionary stocks in an inflationary environment

You should go put your money into stocks and never post here again nigger, if you don't see the value of a guaranteed monthly paycheck (the terms on the payment is never ending, forever, and I can do more with it than your stupid ass will ever do with a lump sum) then you are a brainlet.

[Anonymous No.8691233]

>>8687300
5 Million. Right now!

[Anonymous No.8691237]

>>8691183
You are financially illiterate.

Let's say you're EXTREMELY risk averse and don't want to risk your money in stocks.

Fine, buy US treasury bonds. 2.75% a year. You still crush the 200k a year.

[Anonymous No.8691247]

>>8687300
$5m, easily. I would just fill my current investments with $3m and probably start the business I have planned with the rest.

[Anonymous No.8691255]

>>8691237
Only with a 1.3% interest rate does the 200k a year start to catch up, and even then only after 45 years.

[Anonymous No.8691291]

>>8687636
Pretty sure the top marginal rate is 39.6%, so the effective rate would be less than that.

[Anonymous No.8691346]

>>8687647
>oldfag

[Anonymous No.8691351]

>>8687300
variables to take into account

>inflation
>tax
>opportunity cost

on balance I prefer the 5 mil

[Anonymous No.8691387]

>>8691237
>>8691255
This. 500k/y is a more comparable deal. 5m vs 200k is a nobrainer

[Anonymous No.8691450]

>>8688550
Maybe pre 2008 that’d be smart

[Anonymous No.8691490]

>>8687587
But trannies have a high suicide rate so what if you accidentally kill yourself?

[Anonymous No.8691519]

nigger

[Anonymous No.8691673]

5 mil for sure.

> 500k in crypto
> 500k on degenerate stuff
> 1 mil in real estate
> 3 mils in a safe but boring investiment

Unless you fell for the lambo meme, taking the 5 mil now will generate enough passive income to have a confortable life. Especially since OP didn't mention inflation, but even then I'd take the 5 mil.

[Anonymous No.8691795]

>>8689662

There has never, except for once and that lastet only for a few years (Mansa Musa) where gold had no value in a human society. Gold is and will always be a sign of wealth

[Anonymous No.8691873]

>>8687360
If you're planning to invest the 5 million, how would you know you'll get the passive income consistently?

[Anonymous No.8692100]

>>8691237
>he forgot to also invest & compound the 200K yearly sums
what a brainlet

still prolly works out that the 5 mil is better tho 2lazy2check

[Anonymous No.8692165]

>>8691101

this assumes you wouldn't spend any of the 5 million, and wouldn't invest any of the 200k. figure out the math for investing all of the 200k and we'll talk.

[Anonymous No.8692176]

>>8687300
5mil now

200k of US monopoly money will be worthless in 20 years

[Anonymous No.8692303]

>>8687300
>5m
>buy lambo
>shitpost a timestamp on /biz/

[Anonymous No.8692343]

>>8687402
>western house
>ever collapse
Dream on poor fag, literally no one has ever lost anything HODLing housing, if anything they have made x10 gains in the last few years and infinity rental potential

[Anonymous No.8692516]

>>8688646
>1000x
Nice fud

[Anonymous No.8692610]

>>8687300
Take 5M now and put 20% in ARK, 20% in XVG, 20% in BTC, 30% in ETH, and leave 10% in fiat and/or index funds.

[Anonymous No.8692677]

200k right now

[Anonymous No.8692702]

>>8687300
200k
Mini by team, Mini by renumeration.

[Anonymous No.8692789]

>>8687587
>What is inflation

[Anonymous No.8693026]

>>8687300
200k/year

That would be like 20x what I'd need to NEET comfortably.

[Anonymous No.8693529]

200k

[Anonymous No.8693571]

5 now

[Anonymous No.8694694]

$5m now, buy a house for $500k and put the rest in a Fixed Term Deposit. As long as I don't spend all the interest it will grow with inflation.

[Anonymous No.8694713]

>>8687300
5 million now and hedge against inflation

[Anonymous No.8695612]

fdfd

[Anonymous No.8695700]

>>8687872
Your discount rate for future inflation is too low. Do you really think inflation will be or even is 2%?

[Anonymous No.8695732]

I would take the $200k
Buy the cheapest house in wales at $60k
Live off $40k for the rest of the year.
Shit $100k into accumilating bitcoin.
Doesn't even matter if bitcoin goes to 0.
Next year I do the same with $160k.
Hodl like this for 3 years till mcafee eats his dick or I become a billionaire.

[Anonymous No.8696219]

5 mil now, tomorrow's not guaranteed.

[Anonymous No.8696291]

>>8687300
Stop making these threads. The correct answer will always be lump sum as the value of the dollar is always going to go down. You get the lump sum, then immediately invest into real estate. If you want to continue making money you start a renting operation. If you don't you just live happily, then sell off property if you ever need to, but ideally you won't if you plan right.

[Anonymous No.8696304]

>>8691873
Ark or chainlink

[Anonymous No.8696368]

>>8687300
5 mill beause usd is done within a decade

[Anonymous No.8696406]

5 mil now.

I would buy and hold ADA.

Doing it now. Every time it touches .13 USD
I only have 3 grand to do it now since the crash though.

[Anonymous No.8696430]

>>8687372

you think you're going to average 7% gain per year? are you a god-tier investor or retarded?

[Anonymous No.8696431]

>>8687300
200k/yr

Anyone else trying to justify 5 mil is either dying of cancer soon or thinks they know how to invest in that money to turn it into muh 100 million.

[Anonymous No.8696729]

>>8691255
You aren't comparing apples to apples.
You need to compare the returns of $5million vs $200k/year where that $200k gets constantly reinvested.
$5million invested at 1.3% over 50 years is $9,537,669.57
$200k/year ($16.6k/month) invested at 1.3% over 50 years is $14,044,495.01

[Anonymous No.8696763]

neither anon, donate the money to cure cancer

[Anonymous No.8696957]

>>8687300
5 mill now, so l can go all in chainlink and be a billionair by eoy

[Anonymous No.8696963]

>>8691101
>>8692165
1 - blue line - $5m earning 2% interest compounded annually
2 - purple line - $200,000 annually, no interest
3 - brown line - $200,000 annually, the previous sum earning 2% interest compounded annually
> formula from https://math.stackexchange.com/questions/118616/continually-compounded-interest-addition-to-principal

Looks like if you are earning 2% annually from your investments, $200k annually will beat out $5m in 35 years.
If you are earning 5% annually from your investments, the 200k annually won't beat the $5m lump sum.
I tried 3% and the blue and brown lines intersect at 45 years. At 4%, they don't intersect.

So basically take the lump sum if you know you can earn at least 4% annually.

[Anonymous No.8696972]

>>8696963
Top chart is 2% interest annually
Bottom chart is 5% interest annually

[Anonymous No.8697024]

>>8689370
>56%
That's right, we're a majority American board, deal with it.

[Anonymous No.8697026]

>>8687300
200k a year.

>i only really need 50k a year to live on
>invest other 150k 1/3 into solos 401k, crypto and RE
>???
>PROFIT!

[Anonymous No.8697156]

>>8697024
keke

[Anonymous No.8698128]

I choose 5m, i cant trust an entity that promises 200k/year.

[Anonymous No.8698136]

test

[Anonymous No.8698147]

even if you can trust it, you'll need 30, possibly more depending on inflation, years just to get what you could have had 30 years ago.

people picking 200k are literally the reason why everyone on this board seems to poor and confused.

[Anonymous No.8698150]

id obviously take the steady income instead of the 1 payment

[Anonymous No.8698186]

>>8687300
$5m because it'll take me 25 years to receive that same value and 25 is too long.

[Anonymous No.8698276]

>>8687300
holy shit this board is retarded
a conservative portfolio returning 4% will make 200k a year off of 5 million.
you'd think after all the crypto gambling some of you would have figured out percentages by now.

[Anonymous No.8698319]

Non retards would take the 5 million. Fuck living past 40, the only part of your life that matters is your prime.

[Anonymous No.8698392]

>>8687360
Dont overthink the question dumbass

[Anonymous No.8698433]

>>8687300
rule of 72, ill take the 5mil and invest it

[Anonymous No.8698549]

>>8689589
>>8691154
If you chose ANY of the answers, then you don't understands biz's buy high sell low approach.

Therefore you all lose

[Anonymous No.8699382]

Jews will start WW3 in the next couple of years. I'll take my millions now.

[Anonymous No.8699424]

5 million now and invest in Chinese market. Everyone knows murica's reign is going to shit in the next decades.

[Anonymous No.8699640]

>>8687300

5 mill invested at 5% safe returns is 250k the first year alone and growing. You'd be a brainlet not to choose it.

[Anonymous No.8699652]

>>8699640
5% safe returns is a lot

[Anonymous No.8699685]

>>8699652

Safe i.e. 100% guaranteed per year is a stretch yeah. We can reasonably expect getting 5% per year if averaged over several decades though. It's probably more reliable than whatever source is providing the 200k a year payments.

[Anonymous No.8699695]

>>8698276
You realise 90% of /biz/ is now in the red due to crypto shilling right? Lmao

[Anonymous No.8700056]

>>8699652
you could buy 5 million in government treasury bonds and get $135k a year instead of $200K
but after 10 years you get the full $5,000,000 back

[Anonymous No.8700820]

>>8687300
I chose 75k over 1 mil in the last thread, but I'm taking the 5 million here. It would take 12.5 years to make 5 million with compound interest. But if you invested your 5 million over 12.5 years you'd get 16.5 million. The difference in wealth is so substantial that I have no excuse to take the safe and easy 200k.

[Anonymous No.8700861]

>>8687300
Anyone not taking the 5 mil insta doesn't understand time value for shit

[Anonymous No.8701074]

If you chose 200k you have the reason why you'll stay a poorfag the rest of your life.

[Anonymous No.8701185]

>>8700820
wow, somebody on this board actually learned something.
maybe there's hope for this board after all

[Anonymous No.8701290]

>>8697024
Fucking kek'd, btfo

[Anonymous No.8702021]

>>8689974
what is purchasing power?

[Anonymous No.8702236]

>>8689589
>if you take $5m you don't understand economics
Explain to me how taking $5m, subtracting $500k for a house and savings, and putting the remaining $4.5m into the stock market for an average 7% gains/year is worse than $200k/year

[Anonymous No.8702928]

>>8687587
Theyll be happy to buy a warm meal with that in 2100

[Anonymous No.8702950]

5 mill now
I won't live long enough

[Anonymous No.8702972]

>>8687300

Take 5mil now

>buy dream house for $1,000,000 beachside
>keep $500,000 free to cover day to day expenses, buy some things like a new car, go travel, etc
>Put $500,000 in a savings account
>Invest rest into stocks/crypto/whatever