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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: richinmd   😊 😞
Number: of 1281 
Subject: TIPS?
Date: 03/05/25 11:40 AM
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I'm wondering how many are using TIPS (treasury inflation protected securities) for retirement?

I now some people use them significantly but I have not. Lately (last year or two) I have bought some to partially tide us over until we reach 70.

I suppose if they do what they are supposed to (track inflation) and you can get 2% real return (sometimes you can) then I think that would mean if you had saved 25X expenses for retirement and were planning to use a 4% WD then it would extend your money to 33 years (if my math is close to correct).

As I mentioned elsewhere, I'm hedging on most investments now. A mixture of US, international, and treasuries (TIPS and nominals). Overall maybe about 25/25/50. And about 5% in gold since inflation seems likely.

Good luck.
Rich
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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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