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If you don't need the money to last decades, you could put more into bonds and, as a benchmark, use a hybrid of the S&P and T bill rates.
The purpose of our investigation was to compare the statistical efficiency of OPSS for selecting satellite imagery segments at a first sampling stage and pixels within the selected segments at a second sampling stage with respect to the benchmark use of simple random sampling without replacement (SRSWOR) at both stages.
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The BBSW is the primary interest rate benchmark used in Australian financial markets, and is administered by the Australian Financial Markets Association.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com