Hi Jan,
As we approach the end of the year, it is natural to start thinking about what lies ahead. For many, that includes wondering how best to prepare your finances for the road ahead. This week, we are focusing on one specific piece of the retirement income puzzle that often gets overlooked—Treasury Inflation-Protected Securities, or TIPS.
TIPS are not about chasing returns or market timing. They are about creating certainty in the face of uncertainty, especially when it comes to inflation. In this week’s featured article, we explore why TIPS are best understood as a retirement income planning tool, not an investment bet, and how they can help you protect your essential spending needs over time.
We are also sharing a supporting article that explores how TIPS can help manage inflation risk more broadly in a diversified plan.
| | | | How TIPS Fit Into a Thoughtful Retirement Income Plan Treasury Inflation-Protected Securities (TIPS) are often evaluated through the wrong lens. They are compared to stock returns during bull markets or dismissed as unattractive when inflation is quiet. At other times, the focus shifts to whether real yields are high enough today or whether it would be better to wait. All of that treats TIPS as a tactical investment decision. In reality, they are far more useful as retirement income-planning tools.
By Retirement Researcher | | | | Can TIPS Help Manage Inflation in Retirement? Inflation is one of the few retirement risks that can quietly do real damage without drawing much attention. It does not arrive all at once. Instead, it shows up gradually in higher grocery bills, rising insurance premiums, and the slow realization that the same lifestyle costs more each year than expected. Because income is often less flexible after retirement, adjusting to these rising costs can be difficult.
By McLean Asset Management
| | | | Your Retirement Your TIPS Questions Answered: Inflation Protection, Interest Rates, and Retirement Income
This week’s Retire With Style podcast continues our listener Q&A series, with a focus on how TIPS fit into retirement income strategies. Wade and Alex answer questions about timing a TIPS ladder, how TIPS compare to stocks and bond funds, and how they can be used to support time segmentation or bridge the gap before claiming Social Security. They also discuss behavioral considerations—why some retirees may prefer locking in peace of mind even if market conditions could improve. cooperative.
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