I bought my 30-yr TIPS ladder in my tIRA, but nothing says I must spend from that account.
In fact, I cannot spend from there (yet) without penalty because I am younger than age 59.5.
So, when the 2024 TIPS rung matured last February, I simply bought another rung for 2054 in the tIRA.
And I continued funding my current living expenses from my 100% VTI taxable account.
If using this method skews my AA too much, I can 'skip-a-TIPS' re-investment, and buy stocks instead in my Roth IRA (and/or my tIRA).
(For the years prior to starting SS, my TIPS ladder 'pays' $2x per year. For the years after SS starts, it 'pays' $x per year.)
In fact, I cannot spend from there (yet) without penalty because I am younger than age 59.5.
So, when the 2024 TIPS rung matured last February, I simply bought another rung for 2054 in the tIRA.
And I continued funding my current living expenses from my 100% VTI taxable account.
If using this method skews my AA too much, I can 'skip-a-TIPS' re-investment, and buy stocks instead in my Roth IRA (and/or my tIRA).
(For the years prior to starting SS, my TIPS ladder 'pays' $2x per year. For the years after SS starts, it 'pays' $x per year.)
Statistics: Posted by steadyosmosis — Wed Dec 11, 2024 8:01 am — Replies 66 — Views 5642