re: Is $1 million a lot of money in 2019?

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I'm fine with index funds and mutual funds, but I have zero capacity to research alternative assets and the bond market is more confusing than it seems at first glance. On top of that, I have a job and a family and I don't spend my days researching investments.

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Right. There certainly is more than one way to skin that cat. The "right answer" for you is the one generating best ROI after taxes and expenses. It's all about end result.

If you're in a hedge fund w/ a 2 and 20 fee structure, yet you're up 30% on the year, despite the management fees, you're in high cotton. If your DIY alternative would yield 5% ROI, the DIY savings were pretty damed expensive.