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You are here: Home / Archives for bond ladder

512: Unlocking Hidden Returns—How Mortality Credits Boost Retirement Income

February 19, 2025 by Camden Stein · Updated March 3, 2025

How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder. Topics covered include: How immediate annuities and deferred income annuities work What are mortality credits, and why they are a key diversifier Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades How to decide whether an annuity is right for you Show Notes Post: No, really. Deferred income annuities … [Read more...]

Filed Under: Podcast Tagged With: bond ladder, deferred annuity, deferred income annuity, immediate annuities, mortality credits, TIPS

494 Plus: TIPS, When to Sell a Bond, and a New Deletion ETF

September 21, 2024 by David Stein · Updated September 30, 2024

In Plus episode 494, we compare owning a TIPS ladder versus using TIPS ETFs. We consider when an investor should sell an individual bond that has appreciated in price. Finally, we review the Research Affiliates Deletion ETF (NIXT) … [Read more...]

Filed Under: Money Plus Tagged With: bond ladder, NIXT, sell discipline, TIPS

455 Plus: TIPS Ladder Follow Up, New Charts Status, Portfolio Trades Clarification and the State of Crypto

November 11, 2023 by David Stein · Updated November 27, 2023

In Plus episode 455, we try to simplify the cash flow aspect of TIPS ladders. We answer a question on why not just own TIPS ETFs. We provide an update on bond charts so members can better analyze the attractiveness of credit strategies. We answer a question on David's recent portfolio trades. Finally, we explore why David still owns cryptocurrency and whether the conviction of FTX's Sam Bankman Fried changes anything. … [Read more...]

Filed Under: Money Plus Tagged With: bond ladder, cryptocurrency, portfolio trades, TIPS

455: Easier Investing, Richer Life: TIPS Ladders to Annuities

November 8, 2023 by David Stein · Updated April 24, 2024

What are the pros and cons of partially funding retirement expenses with an inflation-indexed bond ladder versus an immediate annuity? There is a big downside to TIPS ladders that many investors don't realize. Topics covered include: Why the stock market is more risky than many people realize Is it too late to invest in TIPS as one advisor suggests How TIPS and TIPS ladders work How immediate annuities work The pros and cons of a TIPS ladder versus an immediate … [Read more...]

Filed Under: Podcast Tagged With: bond ladder, immediate annuities, simplicity, Spitznagel (Mark), TIPS, Treasury Inflation Protected Securities, volatility drag

409 Plus: Buying TIPS at Auction, Building a TIPS Ladder, and Deciding Between Short-term and Long-term Bonds

November 12, 2022 by David Stein · Updated August 25, 2023

In Plus Episode 409, we introduce the Money For the Rest of Us affiliate program. We discuss the complexities of purchasing a Treasury Inflation Protection Security at a reopened U.S. Treasury auction. We consider why yields on newly issued TIPS are lower than the yield on TIPS that have been outstanding for a while, even though both bonds have the same maturity. Finally, we consider how to decide between owning short-term bonds versus long-term bonds. … [Read more...]

Filed Under: Uncategorized Tagged With: bond ladder, bonds (long duration), bonds (short-term), TIPS, Treasury auctions, Treasury Inflation Protected Securities, U.S. Treasury auctions

399 Plus: Student Loan Forgiveness and Inflation, Building a Bond Ladder, a New High Yield Savings Account Offering

August 27, 2022 by David Stein · Updated September 7, 2022

In Plus episode 399, we introduce the new Money For the Rest of Us glossary. We consider whether the Biden Administration's move to cancel upwards of $600 billion in student loans will be inflationary. We discuss how to go about building a bond ladder. Finally, we analyze Save's new Market Savings Account. … [Read more...]

Filed Under: Uncategorized Tagged With: bond ladder, bullet ETFs, inflation, Save, student loans

398 Plus: Immediate Annuities, Mortality Credits, Leveraged ETFs, and Valuing Pensions

August 20, 2022 by David Stein · Updated September 7, 2022

In Plus episode 398, we analyze how much immediate annuity payments have increased as interest rates have risen. We review why payouts on immediate annuities are higher than on a bond ladder. We consider why some leveraged ETFs and ETNs survive and others don't when markets decline. Finally, we look at whether pensions can be considered part of one's net worth, and how to value them. … [Read more...]

Filed Under: Uncategorized Tagged With: bond ladder, ETFs, immediate annuities, leveraged ETF, mortality credits, pensions, Social Security

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