Thinking of a 30 or 40 year time period yes.For sure. The equities portion of my portfolio is for keeping up with the market. Ideally, I'd like the fixed income part to not lose to inflation. Is this a bad way to think about it?Agreed. If your target is 30 years, then the only legitimate options are ibonds and 30 year TIPs... That said, I think its more important to diversify and keep up with the market than to be fixated on trying to beat out an aggregate inflation measure.
Individual TIPS or TIPS funds in Roth seem like the surest bet for non-negative real return. Granted, that is probably not the most tax efficient placement overall for a portfolio. Individual TIPS or TIPS funds in tax deferred or I bonds appear to come in second place. Everything else in the list seems like a step down from these options.
You don't hold bonds for real return over 40 years. You hold them because you don't want the risk of 100% stocks or the ability to be 100% stocks in my opinion.
I wasn't 100% stocks for the first 20 years of investing. Because I didn't have a willingness or ability to do it (in worst case scenario)
Statistics: Posted by Johm221122 — Sun Sep 01, 2024 4:01 pm — Replies 7 — Views 232