+1
and do not pay anybody to invest, beyond the minimum transactional costs. Fees kill. All these financial 'products' are in a mustachian sense, a waste of your valusable cash.
You see, it " depends" on so many factors there is no-one who can better figure it out than you, wrt asset allocation and risk. We can offer advice to generic profiles, but this thus comes with a wide range of outcomes.
personally, I think a 4% swr, in the usa, given an average distributoon of 491k, ira, et al, is super conservative.
With a bit of effort, local and perhaps national real estate investment, vanguard, pentions, alternative local 'angel' investments, etc etc, plus occasional earnings for doing what you love and kick ass at, you should be able to pull an effective after tax income of say, $80k per year with a stash of 1.2 mill.
IMHO.
YMMV