I agree we can't generalize about what people do with their TIPS holdings. That means we can't generalize about whether they have contingent plans or plan to hold to maturity or adjust based on circumstances.
But I am pretty sure that in the numerous discussions regarding whether funds or direct bond holdings are preferred one of the primary arguments for holding bonds directly is you hold to maturity, know what you get and don't have to be concerned with drop in value as in a fund. If the gurus here are saying you have a contingency plan that allows you to sell before maturity, to me that guts one of the main arguments as to why a ladder or directly held bonds is preferred and I would then weigh more heavily the ease and less complicated approach of a fund. I know that's a tangent to the core discussion here so am not suggesting this tangent be continued unless useful to anyone else.
But I am pretty sure that in the numerous discussions regarding whether funds or direct bond holdings are preferred one of the primary arguments for holding bonds directly is you hold to maturity, know what you get and don't have to be concerned with drop in value as in a fund. If the gurus here are saying you have a contingency plan that allows you to sell before maturity, to me that guts one of the main arguments as to why a ladder or directly held bonds is preferred and I would then weigh more heavily the ease and less complicated approach of a fund. I know that's a tangent to the core discussion here so am not suggesting this tangent be continued unless useful to anyone else.
Statistics: Posted by CloseEnough — Sat Jan 31, 2026 1:04 pm — Replies 389 — Views 24680