This tool is designed to help individuals create a TIPS ladder, which is a portfolio of Treasury Inflation-Protected Securities (TIPS) that are structured to provide a stream of inflation-protected income. It was built by a Bogleheads forum contributor named Kaesler and introduced in January 2023. (Source: Bogleheads Forum). Modifications continue to be made to the tool based on comments from other forum members.
TIPS are U.S. government bonds that adjust for inflation, ensuring that the bond’s principal increases with inflation and decreases with deflation.
A TIPS ladder is a strategy where an investor buys TIPS with varying maturities so that the bonds mature in a staggered fashion over a number of years. This approach can provide a predictable, inflation-adjusted cash flow throughout the ladder.
The website offers a calculator to assist in designing such a ladder, taking into account factors like the desired income stream, the timing of cash flows, and the current yield of TIPS. It produces a suggested purchase plan, with CUSIP identifiers, to build the ladder.
- Portfolio Management
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