I tend to agree with the poster at 1.26 pm. If $1M is not enough, most people will not be able to retire. Invest the $1M for passive income. 5% returns will generate $50k a year, which is sufficient for most people without a lavish lifestyle. If you want to grow your capital and cater for inflation, plough back some of the passive income into your investments. I feel consistent returns are achievable if one starts investing early.