Steady 4-5% on $5 million?
deyan: Quite frankly I am surprised by the tone of some of the advice here. I see the point for informing yourself, but following it should undoubtedly teach you to never try to beat the market and "do it yourself" - unless you plan to make this your life.Instead, I would shift the advice slightly to: inform yourself, find someone who knows this kind of stuff and give them your business, trusting but also verifying them. Far too many people think they can build that one model which guarantees success only to be burned. Granted, using a professional can still get you burned (uncertainty is a fundamental principle of our life and universe) but you at least increase your odds.