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

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

Only costs like 2.5 million for a decent castle.

>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

Attached: asian-women-aging-age-20-30-age-18-age-30-50-age-14027346~2.png (258x248, 14K)

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

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

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.

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

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

happened during the great crypto depression 2018

$5m now (pic very related)

Attached: 20120815_JPM1.png (545x380, 170K)

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

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

>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).

5 mil in hard cash.

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

$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.

Attached: DVYadH3WkAEm03h.jpg-large.jpg (384x248, 18K)

Is Jow Forums 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

Attached: Perpetuity1.gif (287x136, 3K)

this.

thread

>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

Attached: 1450397868405.png (1140x798, 45K)

5mil and anyone who says otherwise doesn't belong on Jow Forums.

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

Attached: 1506274340222.jpg (240x288, 15K)

yes

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.

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

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

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

where?

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

No need to trust shekelberg to pay every year

>how to lose $5 million

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

spending 50k on inverse bart pattern
;^)

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

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

this is the only correct answer

$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.

This thread again

Attached: IMG_2447.jpg (653x903, 107K)

5 mil now. Will invest and double triple easily

Cheque, American brainlet.

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

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

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

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

5 % ROI per year isnt that hard to achieve.

56%

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

200k a year

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

5 million of course

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

bear trap

200k/0.02 = $10million

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

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

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.

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.

no it isn't mong

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

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

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

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

what is inflation?

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

54% from its peak.

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.

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.

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

Going all in is how you lose your money.

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.

5 mil objectively superior, according to basic math

pic related.

Attached: Screen Shot 2018-04-01 at 20.38.22.png (1628x1074, 164K)

most retarded person I've ever seen

he is completely right

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

>even considering giving away your money to inflation

>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

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.

If you chose the 200k you are literally braindead.

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

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.

5 Million. Right now!

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.

Attached: Screen Shot 2018-04-01 at 20.47.42.png (1680x1020, 164K)

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

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

Attached: Screen Shot 2018-04-01 at 20.48.59.png (1634x996, 149K)

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

>oldfag

variables to take into account

>inflation
>tax
>opportunity cost

on balance I prefer the 5 mil

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

Maybe pre 2008 that’d be smart

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

nigger

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.

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

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

>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

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.

5mil now

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