Investing Blog Roundup: The 4% Rule (Actually 4.3%) with a TIPS Ladder

I’ve been studying retirement planning for roughly 15 years now, and throughout that time a constant topic of debate has been whether a 4% inflation-adjusted spending rate over 30 years (i.e., “The 4% Rule”) is actually safe. And most of the time, that question is impossible to answer except in hindsight.

However, Allan Roth recently demonstrated that with TIPS yields being what they are right now, a TIPS ladder can very safely satisfy a 4.3% real spending rate, over 30-years.

• The 4% Rule Just Became a Whole Lot Easier from Allan Roth

Recommended Reading

• Hold Opinions Loosely from Adam Grossman
• Family or Professional Trustee? Pros and Cons of a Professional Trustee from Elliott Appel
• 6 Takeaways from the Bogleheads Conference from Chris Mamula
• Consuming Less from Meg Bartelt
• The Agony & Ecstasy of Stock-Picking from Ben Carlson
• How to Add Adventure to Your Life from Jim Dahle
• The Power of Anti-Goals from Andrew Wilkinson
• Vanguard to Begin Testing Proxy Voting Pilot Program for Retail Clients Early Next Year from Silla Brush
• The Bond That Broke the Internet from Stacey Vanek Smith and Andrea Hsu (All Things Considered segment with transcript)

Thanks for reading!