Not sure if you need a ladder or just a pot, and seems like you already have a 400k pot. Maybe a TIPS pot? You can simply use FIPDX or VAIPX. That's simple enough. I agree that a TIPS ladder is probably too difficult to explain/pass the information onward.I ask myself why not just have a fixed asset that covers some set amount of years to bridge a stock market downturn. For me the thoughts were these:
1. A Bond ETF or mutual fund still have a degree of correlation with stocks I'd like to reduce
2. I looked for a solution that would not require fiddling with if my wife has to handle the finances
3. I don't know how to beat 2% REAL with no volatility and as low a risk as possible (Sorry, Klang)
4. I don't have to decide how many years of market downturn to cover.
Your enemy is going to be taxes, and I get that you would rather have a stable pool from which to draw the tax money.
Statistics: Posted by Dude2 — Mon Jul 22, 2024 11:47 am — Replies 17 — Views 1409