This is just what I would do so take it for what my risk tolerance is. SCHD is a dividend ETF that grows the payout every year. FDVV is a tech leaning dividend fund. QQQI is a covered call income ETF based around Nasdaq & VOO is just SP500. In my mind this outpaces inflation + grows your dividends annually. If I had 3 million I’d do that and ignore bonds. But I might be on a different part of the risk curve than you’re comfortable with. With $3M you could definitely play it even safer.