How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder. Topics covered include: Show Notes Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads Actuarial Life Table—SSA TIPSLadder Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher Episode … [Read more...]
494 Plus: TIPS, When to Sell a Bond, and a New Deletion ETF
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) Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you can do so by becoming a Money For the Rest of Us Plus member. Learn More About Membership Options » 494 Plus Show Notes Why Should You Care … [Read more...]
455 Plus: TIPS Ladder Follow Up, New Charts Status, Portfolio Trades Clarification and the State of Crypto
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. Become a Member If you would like to listen to this episode … [Read more...]
455: Easier Investing, Richer Life: TIPS Ladders to Annuities
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: Show Notes Effortless: Make It Easier to Do What Matters Most by Greg McKeown Essentialism: The Disciplined Pursuit of Less by Greg McKeown Skin in the Game by Nassim Nicholas Taleb Worry-Free Investing: A Safe Approach to Achieving Your … [Read more...]
409 Plus: Buying TIPS at Auction, Building a TIPS Ladder, and Deciding Between Short-term and Long-term Bonds
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. Become a Member If you … [Read more...]
399 Plus: Student Loan Forgiveness and Inflation, Building a Bond Ladder, a New High Yield Savings Account Offering
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. Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you can do so by becoming a Money For the Rest of Us Plus member. Learn More About … [Read more...]
398 Plus: Immediate Annuities, Mortality Credits, Leveraged ETFs, and Valuing Pensions
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. Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you … [Read more...]
