You have received 500,000 as an unexpected heritage. Banks are aware of that, and they want to attract you as new customer/investor.

You are seriously thinking on investing the received amount in a financial product that will offer a 4% interest rate, and take those interests generated once per year to go on holidays with your couple. Youll keep that money there indefinitely, and interests will also be generated indefinitely. How much youll get as annual interests?