[mymllnthaccount]

>no reliable way to get a fixed income

You could buy an annuity from an insurance company. A quick Google search shows that $2mil should buy a 40 year old about $70k/year for the rest of their life.

[deanmoriarty]

That would be an incredibly awful deal for a 40yo, since it’s not inflation adjusted, so in 10 years you’ll be kicking yourself for having converted real assets into fixed nominal returns.

Annuities really just work well if you are 80+ and want to insure against longevity risk.

[fortran77]

An annuity would not be a good deal unless you're in extremely good health and over 75 or so.