Personal Investments • In What Form to Buy TIPS

All right, now that I think I understand what you're looking for, here's your original proposal.

I'll tell you what I would do, but again, it's up to you and what you feel comfortable with.

However, I am looking for ANY Input on how I should buy the TIPS. NOTE: ALL my TIPS purchases will be held in either Traditional IRA or Roth IRA. None will be in taxable.

If I were to go out to buy Individual Bonds this could roughly be what percent I've buy for each maturity bond with each's current Yield next to the %. (Note that I am currently 74.5 years old):

Years / Percent to buy / Yield

20 13% 2.27
17 13% 2.16
14 13% 1.93
10 7% 1.66
8 7% 1.47
6 7% 1.36
4 19% 1.12
2 19% 0.94

If I were to buy these individually the full intent would be hold them to their maturity dates. However, life happens and they might have to be sold prematurely. In that case there could be a capital gain or loss.

First off, if were your age, I wouldn't go out 20 years. When early rungs come due, you could always buy rungs further out. And for the shorter term, it seems to me that you will just be rolling these TIPS when they mature, so I would probably go for a short term TIPS fund.

2040 TIPS (YTM 2.05%), 25%
2035 TIPS (YTM 1.8%), 25%
2030 TIPS (YTM 1.3%), 25%
STIP (iShares 0-5 Year TIPS fund; YTM 1.42%), 25%

Again, this is just me and what I think would be simple to implement and meet your needs. You would have to feel that 25% is enough to keep as your short-term "I might need to dip into this" money. Or maybe you don't need that much and want to put more into longer bonds. It's up to you.

Either way, you're going to be fine. Frankly, it's just tweaking around the edges. Hope this helps.

Statistics: Posted by RyeBourbon — Fri Oct 31, 2025 10:04 pm — Replies 131 — Views 6349

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