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Personal Investments • TIPS in retirement

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Just retired at 69. Anything is possible, but not expecting a 30 year retirement (suppose I could tap into home equity 25 years from now if needed). Plan on having an approximate 60/40 portfolio. Total bond allocation is about $200K. Didn't really plan on using TIPS or TIPS funds until I heard the recent rumblings about rising inflation over the next few years. My initial plan was to keep it simple - have my nominal bond funds, make my withdrawals either semi-annually or annually and then rebalance. Any thoughts on the need to add TIPS ETFs such as SCHP or TIP and have an approximate 50/50 split on my bond allocation with 50% TIPS and 50% nominal funds? Not a major undertaking - would just have to sell the bond funds in one of our IRAs and buy a TIPS fund. Based on the amount of money in bonds, coupled with my time frame, do you think it's necessary to add TIPS funds at this point? Thanks.

Statistics: Posted by drspine — Sat Nov 16, 2024 11:50 pm — Replies 2 — Views 184



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