How TIPS Ladders Guarantee Real Retirement Income

Episode 126 of Wealth Building with Fexingo breaks down Treasury Inflation-Protected Securities ladders — a strategy that locks in a specific real spending power for decades. Lucas explains how a retiree can build a TIPS ladder that guarantees $40,000 per year in today's dollars for 30 years, using current real yields around 2 percent. He walks through the mechanics: buying individual TIPS at auction or on the secondary market, staggering maturities, and reinvesting coupons. Luna asks about the trade-offs versus a bond fund, the impact of deflation, and what happens if you need to sell early. They compare the ladder approach to the 4 percent rule and discuss why this strategy is gaining attention as real yields have turned positive again after the 2021-2023 inflation spike. The episode includes a brief, natural mention of listener support at buy me a coffee dot com slash fexingo. #TIPS #InflationProtectedSecurities #TreasuryInflationProtectedSecurities #RetirementIncome #BondLadder #RealYield #RetirementPlanning #LiabilityMatching #InflationHedge #FixedIncome #SafeWithdrawalRate #FinancialIndependence #WealthBuildingWithFexingo #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #Podcast Keep every episode free: buymeacoffee.com/fexingo