What is the best way to invest 15 million dollars to ensure I never have to worry about money in the future?

What is the best way to invest 15 million dollars to ensure I never have to worry about money in the future?


I’m 43, and I have five kids. Will 15 million dollars be enough to live the rest of my life, and put my kids through college?


As long as you don’t live t-o-o extravagantly, and stay grounded, you should have absolutely no problem in the future. In other words, stay true to yourself and ask yourself a few questions prior to every purchase:
(1) Is this a Want or a Need? It’s okay to have wants. This question will help you remain conscious of your spending habits.
(2) Will I actually use this item? Don’t buy an item that you will only temporarily use. For example, don’t buy it if it will end up in the garage covered with dust.
(3) Can I afford it? Even with $15 mil you still can’t afford “everything”.
(4) Is it a good value? Don’t forget the value of a dollar. Stay mindful of bargains and sales.
Once you’ve purchased a house, paid off any debts, set aside some for the kids college funds, and tucked away some for retirement and emergencies, you’ll have a worry-free life and your financial decisions should be less risky. I would say “Good Luck”, but with $15 mil, luck is already on your side. God Bless!


Your expenses hold the key to answering this question. As a rule of thumb, we’d recommend keeping your annual withdrawals around 4% of your asset value. Simple math would conclude that if you spend less than $600,000 per year, your assets should sustain you through college and retirement.
PS. do your best to avoid any salesman that might make commissions on products that they sell to you!
Best wishes,


It comes down to the lifestyle your portfolio needs to fund, your investment approach, and how you’re covering major risks.
With $15m you have a lot of opportunities and flexibility to make your funds last. I’d recommend you continue visiting forums like Nerdwallet, or consider building a relationship with a fiduciary you trust.
Adam C. Harding, CFP
Good luck.
Disclosure: For informational purposes only. Not to be considered investment, tax, or legal advice. My responses on Nerdwallet are for educational purposes only and action should not be taken until a thorough analysis has been done by me or your financial advisor. Investing involves risk of loss and diversification does not ensure protection against risk of loss.


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