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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 / Retirement Investing
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Author: hedgehog444 ⎊  😊 😞
Number: of 1278 
Subject: Re: Portfolio for a 90 year old
Date: 12/04/25 2:24 PM
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Perhaps someone can explain the advantage of TIPS over boring 4-week T-Bills? I suspect it is a fault in my mental model but I see short-term T-bills as being just as responsive to actual inflation as the TIPS would be without any of the messiness of resetting the principal. Tbills are earning close to 4% whereas recently even the 30yr TIPS are yielding 2.375% and the 5yr are only yielding 1.125%. I get that you pay taxes on the interest on TBills but you do that as well with TIPS and you also pay taxes on the imputed increase in the principal, so that would also seem to be a wash?

What am I missing?

Thanks,
HH/Sean
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This community has written 1,207 posts about Retirement Investing. The article-length ones it recommended most:
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