as pointed out by others, obtaining $20M inflation adjusted in 25 years is childs play from an investing point of view. Pick some sort of allocation between 50/50 and 80/20 and just do nothing and it will take care of itself.Seeking advise on how to grow this to $ 20 MM (in todays dollars) in 20-25 year timeframe..desire to leave this as legacy for progeny. Hold~ $7 MM in invested/investable assets and ~$ 3 MM in fixed assets (real estate mainly). No debt. Live modestly. Current living expenses taken care of fully by job salary until such time SS kicks in. Willing to tolerate only moderate/mild risk and not seeking questionable, novel or risky investments/methods. Thanks so much in advance in anticipation of your replies/advise.
The more relevant question for you to ask yourself, though, is what is so special about that actual number? I mean clearly nobody you are going to leave the money to has a specific dollar amount in mind. If you truly aren't going to use any of it yourself and just want to maximize the value of it to your heirs than tilting far more towards equities is probably the right answer. Something like 90/10 or 100/0 is going to have a higher median and mean and whatever other measure you want return over that time frame and maximize the expected future value of your investment.
If ending up with something like $15M is not that big of a loss to you, than you should go more conservative on the investments. If ending up with way more than $20M has value to you, then go more aggressive. But you are in an easy place to succeed, don't overthink it.
Statistics: Posted by docL — Sat Feb 01, 2025 8:04 pm