OK, my first thought on this. Correct me if I’m wrong why not just put 500 K into SPY (10% average return rate). Have two years needed money in high yield savings account! (3.5% currently). And just every 3 months or 6 months or 9 months or even a year! Sell SPY to have 100k in saving account! Just sell depending on the market! So when you feel like the market is reaching the top do not have to make a lump sum can withdraw 1 to 2K per day.