Somewhat different situation, but perhaps some food for thought: Portfolio for family - Investing / Portfolios - Mustachian Post Community
Something doesn’t add up: does she want to withdraw all upon retirement? And if so then why?
Other than that, dunno, tricky, it’s impossible to not have to live with a drop and beat inflation, even if the drop is on paper.
@Brndete massive kudos for referencing that scene (in film or book) - easily among the most badass scenes of the trilogy.