My suggestion is to pass on the proceeds to your beneficiaries now, so that they can use the money, instead of them waiting for your estate distribution. But only if you don't need the money and if you have living beneficiaries.
Otherwise, I would invest into high quality dividend stocks and live off of that . . a mixture of different industry ETFS, or even better, muni bonds which are tax free. . . much more liquid and much easier to manage in your estate
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