I could be wrong but my impression is that most people hold them in deferred accounts, not Roth or taxable.Where do people hold their TIPS ladders - IRA or taxable?
To preserve the backdoor Roth process, I don’t have a traditional IRA. And I can’t buy individual TIPS in my 401k. So that leaves taxable, but they don’t seem very tax efficient.
Do people build the ladders while working or wait until retired
As for purchase timing, something I haven't seen discussed a lot (and don't have an opinion on myself, but would be interested in hearing what others think) is how remaining TIPS ladders in deferred will work out for the presumably younger non-spouses who inherit them, relative to other fixed income options.
Statistics: Posted by tibbitts — Sat Feb 01, 2025 9:59 pm — Replies 38 — Views 2944