In r/financialindependence, members debate whether TIPS ladders or TIPS funds actually improve retirement success rates, focusing on inflation protection limits and what withdrawal rate is realistic.
TIPS are bonds first and inflation protection second.
If you have a very low withdrawal rate, then a TIPS ladder might work, but a TIPS bond fund has not been all that helpful.
Bill Bengen is now saying a 4.7% withdrawal rate is safe.
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