I am going by what i saw in the movie brewsters millions with richard pryor. he had the money at a bank that paid 20% some percent a year,i think it was the bank of new york,haven't seen the movie in a while. it was for small countries and millionaires,billionaires,too. they said the interest rate amount,it was alot,i didnt know if it was just for the movie or not,someone i worked with told me there was a bank like that.i dont know that much about managing money, but if i were to win ,i would sure try to learn. i just wouldnt trust anyone else managing my money,because of all the stories you hear about them stealing from clients.is there any way for you to manage you're own money/stocks and stuff. oh,the bank was fdic insured.i would like the security of knowing i had money if i spent it,that way i could better learn to manage the money. i can manage my checkbook with a regular weekly salary. but when it came to millions, i dont know if i could keep up with it.if i actually won,i might take the lump payment,i think if you dont choose at the time of playing powerball ,you have 90 days to decide.i could invest it all in wal=mart and microsoft,and intel,lol. i dont really like stocks,cause the companies go bankrupt all the time,or they embezle money.what would be a good way to invest money. cd's that double youre money(do they still have those?)?i would like somethign that i could check on myself and learn how to manage it and stuff. any suggestions calidude? i wouldnt say im nieve,just a little unknowledgeable about the way to invest millions,etc. i just like to learn what i can and make a plan after i win after i get advice. but my opinion is this,either way, it's more than i had or would have had. i like to have a choice,i might change my mind if a financial adviser says differently,or if i read about the stuff more. it's just that with annuity you get more money,and there is no guarantee any investments you make with the cash option is going to be as much as the annuity,i would want to get all of my money that i could,so to me annuity seems better,unless i could find a way to invest the cash option and make the same or more money without loosing it(but there are no sure things in life).i hope i have explained my thinking a little more.