Thank you! Yes, the TIPS would be held in my IRA, and the plan would be to hold them until maturity. I haven't found any inflation-adjusted annuities, but it looks like I could buy an SPIA with a 2 or 3 percent annual increase. Helpful but not an impregnable defense against 3.5 percent inflation.
Thanks for posting! I'm looking at retiring soon, at age 60, and have been planning to buy a 10-year annuity to give me guaranteed income until age 70, when I plan to take Social Security. But it sounds as though a TIPS ladder might be a better option, given the inflation outlook. Although I could probably find an annuity with a 2 or 3 percent annual increase, even that might not keep up with inflation.
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Thank you! Yes, the TIPS would be held in my IRA, and the plan would be to hold them until maturity. I haven't found any inflation-adjusted annuities, but it looks like I could buy an SPIA with a 2 or 3 percent annual increase. Helpful but not an impregnable defense against 3.5 percent inflation.
Post: Treasury Inflation Protected Securities (TIPS) are a Generational Bargain Right Now
Link to comment from July 30, 2026
Thanks for posting! I'm looking at retiring soon, at age 60, and have been planning to buy a 10-year annuity to give me guaranteed income until age 70, when I plan to take Social Security. But it sounds as though a TIPS ladder might be a better option, given the inflation outlook. Although I could probably find an annuity with a 2 or 3 percent annual increase, even that might not keep up with inflation.
Post: Treasury Inflation Protected Securities (TIPS) are a Generational Bargain Right Now
Link to comment from July 29, 2026