yakers
Thinks s/he gets paid by the post
How Much Inflation Protection Do I Need?
I see many references here and on the Boglehead board about inflation protection via TIPS, Treasuries and ibonds as well as real estate and equity investments. For me I think I have it covered by 1) I have a Federal COLAd pension (DW has a small partially COLAd teachers pension) 2) we own our condo mortgage free 3) our AA is targeted at 50/50 (currently 45/44/11, stock, bond, cash) 13% of that 44% bond is in the Federal TSP G Fund which is something of a stable value fund. DWs IRA RMDs are used for QCDs, I will not have RMDs for a couple years. I am 70 retired March 08, DW 72 retired 06,
I don’t know where/if Treasuries and TIPS fit. We could put $20K each year into ibonds but at our age I’m not sure how much that would help. It looks like our pensions, condo and portfolio will carry us nicely through about anything we will will encounter but I do want to ‘optimize’ the portfolio for passing on to our two sons or at least not see it wither away if some cheap ‘insurance’ will protect it.
I see many references here and on the Boglehead board about inflation protection via TIPS, Treasuries and ibonds as well as real estate and equity investments. For me I think I have it covered by 1) I have a Federal COLAd pension (DW has a small partially COLAd teachers pension) 2) we own our condo mortgage free 3) our AA is targeted at 50/50 (currently 45/44/11, stock, bond, cash) 13% of that 44% bond is in the Federal TSP G Fund which is something of a stable value fund. DWs IRA RMDs are used for QCDs, I will not have RMDs for a couple years. I am 70 retired March 08, DW 72 retired 06,
I don’t know where/if Treasuries and TIPS fit. We could put $20K each year into ibonds but at our age I’m not sure how much that would help. It looks like our pensions, condo and portfolio will carry us nicely through about anything we will will encounter but I do want to ‘optimize’ the portfolio for passing on to our two sons or at least not see it wither away if some cheap ‘insurance’ will protect it.