Here's the problem: anybody who is actually professionally qualified to help you will be ethically obligated not to do so in this forum.

As an example, I am a CFA Charterholder, and off the top of my head, I cannot give you advice for the following reasons:

1) I'm not familiar with your investment experience.

2) Your return objectives are unclear. Do you really just want a 4-5% return (and perhaps a 1-2% draw?) or are you looking to withdraw 4-5%?

3) Your risk tolerance and your understanding of various risks is unclear.

4) I have no understanding of any other financial goals you may have, such as intent to protect wealth in case of divorce, or intent to transfer wealth to children, etc.

5) I have no understanding of what your full financial situation is, and what your current portfolio looks like. Is this $5m all you have, or do you already have a variety of assets?

6) I have no understanding of what level of liquidity is required of your investments.

7) I do not know if you have any specific objectives, mandates or constraints. These could range from a desire to move to a particular country, to engage in a particular business, or to weight a particular sector more heavily when possible.

8) I do not have the ability to accurately and clearly communicate investment information via an internet forum comment. Doing so requires presenting you with the information in a manner that is clear, easy to understand, and where you have the opportunity to ask questions and allow both of us to be sure that you understand what is being said as well as what is not being said.

9) Any over-simplified recommendation I made for you would fail a test for diligence and adequate basis.

To be frank, I can see NUMEROUS problems with much of the advice given here (in particular, a lot of people are advocating strategies that carry serious risk, but are NOT disclosing that risk, nor accurately explaining how to hedge against it. there is also a lot of misrepresentation about the performance of various investment vehicles on this page), but I cannot be more specific without breaking my professional code of ethics.

I hope you take my warning seriously, that the advice in this forum comes, almost necessarily, from people who are not qualified or experienced with these matters. I do not want your business, and I am not soliciting it. I just don't want you ending up in a bad situation because you mistook a well-composed and well-intentioned internet comment for advice that is right for you.

I've seen way too many people lose way too much money because they didn't fully understand the ramifications of an idea.

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edit: I want to give you some advice, so let it be this: educate yourself. Treat it as a serious, full-time job. Don't think that reading a few books (or a few blogs) aimed at a lay audience is adequate. You might consider taking the CFA examinations, just so you can competently audit any advisors or managers that you hire to assist you.

You are in a situation that can make not only your life better, but to also improve the lives of your loved ones. Real education will help you determine if your advisors are doing what's best for you, and long-term, will make it easier to confident that you have outsourced the handling of your investments wisely... or if you decide to do it yourself, that you are doing so with a reasonable understanding of investment.

Please be careful.