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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Macroeconomic Trends & Risks
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Author: AdrianC ⎊✹  😊 😞
Number: of 4460 
Subject: Re: The fed funds rate
Date: 07/31/26 11:16 AM
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No. of Recommendations: 9
Anyone who buys TIPS needs to understand the tax implications which aren't simple. If possible, it's best to buy TIPS in retirement accounts.

Yes.

Here's an article from a couple of years ago comparing TIPS ladders with TIPS ETFs:
The Superiority of TIPS Ladders
advisorperspectives.com - Superiority tips ladders stefan sharkansky

TIPS have unpleasant tax consequences if held in a taxable account. Not only is the interest subject to federal tax, but as with zero-coupon bonds, the holder is taxed on the "phantom income" from unrealized principal appreciation. That means you would pay tax out of pocket on the supposed "earnings" from nothing more than inflation-indexing of a bond sitting in your account! Many investors would be best off holding TIPS only in tax-deferred or tax-exempt accounts.

And here's an interesting tool:
Tools to help you build and manage a ladder of TIPS
https://www.tipsladder.com/
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