Thanks for the clarification. I read through the TIPS article shared above. I don’t fully understand all the details, but I plan to buy $50K of new-issue 5-year TIPS and hold them to maturity, as well as $50K of new-issue 10-year Treasury notes and hold them to maturity. The article also mentioned I-Bonds, of which I already hold about $200K. I’ll think about how to invest the remaining cash later.
To keep my retirement finances simpler, I manage almost all of my investments through Fidelity. One thing I like about Fidelity is that even if I leave some money uninvested for a while, it still earns a decent interest rate of about 3.97% right now.
Thank you so much for all the ideas and suggestions here.
To keep my retirement finances simpler, I manage almost all of my investments through Fidelity. One thing I like about Fidelity is that even if I leave some money uninvested for a while, it still earns a decent interest rate of about 3.97% right now.
Thank you so much for all the ideas and suggestions here.
Just remember that the yields quoted on TIPS are real yields, the return you should expect *above* the inflation rate. And if you want a more predictable amount of purchasing power, TIPS are what you should use, not regular Treasuries whose real value is more volatile compared to the general cost of living.The interest rate on TIPS seems very low. I understand they provide inflation protection, but I still don’t feel comfortable with them. I think I would prefer a more predictable amount of income instead of guessing whether the inflation will be up or down. I will read the link above to learn more about it. Maybe it will change my mind.
Statistics: Posted by JustHappen — Sat Aug 30, 2025 9:35 am — Replies 10 — Views 624