Search found 2667 matches

by #Cruncher
Mon Oct 15, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 29
Views: 2730

Re: social security

If the op files a separate return from his spouse, every penny of his SS benefit will be taxable. According to the Social Security Benefits Worksheet , if the separate return filer lived apart from his spouse the entire year, the taxable portion of SS is determined the same as if he were single. Bu...
by #Cruncher
Sun Oct 14, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Company Pension: Single Life Annuity vs Accelerated Income option
Replies: 3
Views: 380

Re: Company Pension: Single Life Annuity vs Accelerated Income option

… I intend to take a single life annuity pension next year when I turn 60. ... Under the accelerated income option, the payout until 62 and two months is about 35% higher ($600/month) than normal single life payout. After 62.167 the payout for the duration is about 6% lower ($100/month) than normal...
by #Cruncher
Sun Oct 14, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Start a Treasury Ladder... or not?
Replies: 17
Views: 2201

Re: Start a Treasury Ladder... or not?

I am considering breaking up the $1 mil into 5 equal $200K lots and begin in Nov building a monthly ST Treasury bond ladder until all funds are invested by March 2019. Then come April I will have Treasuries maturing every month going forward ... Unless you buy in the secondary market, you can't pur...
by #Cruncher
Sat Oct 13, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1711

Re: Morse Code Glide Path

… The "To 70%" column in the table below shows the exchange from bonds to stocks necessary to restore the 70% stock allocation. But ... the recommended approach reduces the bond allocation from 30% down to only 18%. (60% X 326 / 1080), and the stock allocation up to 82%. The "To 82%" column below s...
by #Cruncher
Fri Oct 12, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is this calculation on t-bill tax-equivalent return correct
Replies: 12
Views: 1349

Re: Is this calculation on t-bill tax-equivalent return correct

Do i set the week number (0, 3, 6, 9) to the auction settlement date? Yes. 4, 13, and 26 week Treasury Bills are scheduled so that every week a new one is issued (i.e., the settlement date) on the same day an old one matures. (Normally this is on Thursday, but will be Friday if Thursday is a holida...
by #Cruncher
Fri Oct 12, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1711

Re: Morse Code Glide Path

The beauty of this is in down markets, the bond allocation actually decreases, forcing you to buy more stocks than you would with a target date glide path ... Following this approach would require an iron will (and stomach!) in a severe downturn in stock prices. Consider the crash from 2007 to 2009...
by #Cruncher
Fri Oct 12, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1428

Re: Lump sum vs pension

My pension does not have cola. … A June 1, 2019 retirement. Projected numbers Lump Sum 413,056 Pension with 75% for my wife if I should die first. 23,520 per year and 17,640 per year. I will be 62 next month and my wife is 60, soon to be 61. Assuming you can roll it into an IRA, I suggest taking th...
by #Cruncher
Thu Oct 11, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: early retirement for health reasons- pension option ss income leveling?
Replies: 46
Views: 2046

Re: early retirement for health reasons- pension option ss income leveling?

I will be 61 in January ... If I retire next spring, per my current pension estimates I could receive a lifetime annuity of $2352 . A fixed sum payment for 120 months would be in the amount of $4199 , and if I took an income leveling option I would receive $4318 until 66 years 8 months and then I w...
by #Cruncher
Sat Oct 06, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is this calculation on t-bill tax-equivalent return correct
Replies: 12
Views: 1349

Re: Is this calculation on t-bill tax-equivalent return correct

What I'm considering is ... purchasing a $5,000 13-week T-bill every month for 4 months (roll each bill forward for a total of $20,000 in T-bills). You need to buy them more frequently than every month. For example, if you buy bills every three weeks at week 0, 3, 6, and 9, you'd have a ladder (4 X...
by #Cruncher
Sat Oct 06, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Is this calculation on t-bill tax-equivalent return correct
Replies: 12
Views: 1349

Re: Is this calculation on t-bill tax-equivalent return correct

The equation you (OP) are using is accurate for Treasuries if state tax is fully deductible on your federal taxes. It isn't accurate if you will be using the standard deduction on your federal taxes. … Kevin M's article above gives (derives) the equations to figure out what CD rate would give you t...
by #Cruncher
Wed Oct 03, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Why TIPS only for unexpected inflation?
Replies: 27
Views: 2554

Re: Why TIPS only for unexpected inflation?

So does this mean that if you have TIPS and inflation unexpectedly goes down, you'll lose money (in real terms)? The nominal principal of TIPS is adjusted upward for increases in the Consumer Price Index ("inflation") and downward for decreases in the CPI ("deflation"). (Whether the change in the C...
by #Cruncher
Sun Sep 30, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: confused on how tips work
Replies: 7
Views: 794

Re: confused on how tips work

If that [index] ratio is 1.035, my understanding is that means there has been a cumulative net total of 3.5% inflation since the issuance. This is correct. The index ratio on each interest payment date equals the interpolated Consumer Price Index (aka Reference CPI) divided by the Reference CPI on ...
by #Cruncher
Sun Sep 30, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: “Worth-It to Break CD” APY: Help with calculation
Replies: 14
Views: 3450

Re: “Worth-It to Break CD” APY: Help with calculation

With regards to your comment "The second conceptual error is that taxes aren't deducted from the running balances. ..." ... for a CD with a period of more than 1 year you have to pay taxes each year. To avoid ambiguity I should have said, "The second conceptual error is that, in your approach , tax...
by #Cruncher
Sat Sep 29, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: “Worth-It to Break CD” APY: Help with calculation
Replies: 14
Views: 3450

Re: “Worth-It to Break CD” APY: Help with calculation

I have tried to expand on the original spreadsheet by consider the after tax impact. There are a couple of conceptual errors in your approach, Robert. But first, here is a simplified version of your spreadsheet example. The "Pretax Balance" and "Diff" columns are identical to yours. Old CD APY 2.23...
by #Cruncher
Fri Sep 28, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 93
Views: 22480

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 9/28/2018 and the weighting effect of the 10-year auctions in July & September, and the 5-year auction in August. As shown in the table below, the weighted average yield of the bonds in the 1+ years broad index is 0.90% ...
by #Cruncher
Thu Sep 27, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct has awesome phone support! Thanks!
Replies: 21
Views: 1825

Re: Treasury Direct has awesome phone support! Thanks!

After not logging in for over a year, I couldn't access my TreasuryDirect account last night. I entered my account number and got a message saying a One Time Passcode (OTP) had been sent to my email address. However I no longer had that email account. The message said to call 844-284-2676 if the ema...
by #Cruncher
Tue Sep 25, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Don't Fear the Reaper (RMDs) - White Coat Investor blog post
Replies: 65
Views: 7538

Re: Don't Fear the Reaper (RMDs) - White Coat Investor blog post

This quote below [from the blog ] was particularly useful in demonstrating how the so-called RMD problem usually isn't one. … how large would your tax-deferred account have to be in order for you to pay 37% on ANY of your RMD? ... You may need an IRA of nearly $14M in order to have this first world...
by #Cruncher
Fri Sep 21, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Using Capital Losses to Free Up Headspace for Roth Conversions in 12% Tax Bracket
Replies: 2
Views: 394

Re: Using Capital Losses to Free Up Headspace for Roth Conversions in 12% Tax Bracket

I know capital losses ... will be wasted if used up on capital gains which would be taxed at 0% in the 12% tax bracket. However could those capital losses still have value by reducing your AGI and thus opening up "headspace" in the 12% bracket for taxpayers who are making Roth conversions to the to...
by #Cruncher
Fri Sep 21, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 7
Views: 475

Re: Buying secondary market TIPS via Vanguard Brokerage

(3). Your total purchase price is as follows: The inflation adjusted principal calculated by multiplying the par value by the TIPS inflation index ratio Interest accrued from the last coupon date to the settlement date of the purchase. ... You forgot to include the price, HueyLD! If the TIPS were p...
by #Cruncher
Fri Sep 21, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5287

Re: Delaying SS? How Long It Will Take for It to Pay Off?

But the decision [when to start SS benefits] should be made separately for each year. There's nothing special about one year. [1] The diagonal in the following table shows the one-year breakevens. But the table also shows the other combinations of yearly commencement of benefits. For example the br...
by #Cruncher
Thu Sep 20, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5287

Re: Delaying SS? How Long It Will Take for It to Pay Off?

Another way of looking at is to compare delaying Social Security to starting it early and buying an annuity with that money when you are 70. … Assume: 1) This is for a single person to keep it simple 2) They could get $1,000 a month in Social Security at the age of 62 3) If they delay starting Soci...
by #Cruncher
Tue Sep 18, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 24
Views: 6108

Re: Effect of Social Security when Retiring before Benefits Begin

I'm going to discuss a new subject. But it shares one thing with the topic of this thread: how it can be useful to capitalize expected future Social Security benefits. The context here is one often discussed on the forum (some might say too often :wink: ): whether to begin collecting SS at age 62 or...
by #Cruncher
Tue Sep 18, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign annuity tax question.
Replies: 2
Views: 185

Re: Foreign annuity tax question.

… I put funds in a local bank. In august, I converted the cash balance to a monthly annuity. … Will the full amount be taxable at my normal tax rate? I'm not a tax specialist, especially regarding foreign income. But it seems that only part of your annuity may be taxable. See IRS Publication 939: G...
by #Cruncher
Mon Sep 17, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9377

Re: Delaying Social Security Until 70

I used to be firmly in the wait till 70 camp but I learned that I was making an incorrect assumption that is making me look seriously at drawing at FRA of 66-8. I am married and my spouse will be drawing based on half my benefit rather than hers. I had incorrectly assumed that she would get half of...
by #Cruncher
Sun Sep 16, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5287

Re: Delaying SS? How Long It Will Take for It to Pay Off?

... For instance, the article states that for those with FRA of 67, delaying SS from 62 to 70 could be recouped within 10.3 yrs, i.e. by the age of 80.3. All calculators I tried showed the break-even point well into the late 80s. As remomnyc says above, "Breakevens depends on what rates you use". T...
by #Cruncher
Sun Sep 16, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1597

Re: delaying claiming SS from age 64 to 70 while not working

I'll be retiring this year at age 64, two years before FRA of 66. I have calculated my possible benefits at 64, but can't pin down what they would be if I didn't claim until age 70. You were born in 1954 so your Normal Retirement Age (aka Full Retirement Age) is 66. According to SSA's Effect of Ear...
by #Cruncher
Fri Sep 14, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10165

Re: Argument for taking social security before 70. Comments?

The problem is with the following plan of action (which I see often -- you can even see it in this thread): A married person looks up their life expectancy and their spouse's life expectancy from a credible source, The person then performs an analysis (whether in an online calculator or a DIY sprea...
by #Cruncher
Thu Sep 13, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10165

Re: Argument for taking social security before 70. Comments?

Here's how I estimate the break-even. It's easiest to do one year at a time. Suppose that you have enough money to cover this year's Social Security. You can ... take Social Security now and buy a TIPS ladder which will cover the future years' payments. The break-even is the point where the TIPS la...
by #Cruncher
Wed Sep 12, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10165

Re: Argument for taking social security before 70. Comments?

I don't know if the calculations included any investment returns. Ignoring that (i.e. put all your SS money under the pillow), ... Since SS benefits are inflation-indexed, to not "include any investment returns" is not the same as to "put all your SS money under the pillow". The latter would repres...
by #Cruncher
Wed Sep 12, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: TIPS with Fidelity through HSA
Replies: 6
Views: 1024

Re: TIPS with Fidelity through HSA

TIPS are less volatile than nominal bonds of the same duration, … This is probably a good assumption since nominal Treasury yields reflect both real yields and inflation expectations, while TIPS yields reflect only the former. The history since 2004 sort of backs this up. The following chart shows ...
by #Cruncher
Wed Sep 12, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10165

Re: Argument for taking social security before 70. Comments?

... my wife has a limited work history and is only eligible for spousal benefits on my work record. ... To my amazement I could die at any age between 70 and 95 and it would not affect the breakeven age at all. If my assumed return was 0%, breakeven age was 88. If my assumed return was 2%, breakeve...
by #Cruncher
Thu Sep 06, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Pension early distribution options
Replies: 12
Views: 994

Re: Pension early distribution options

Here are my options: Single lump sum payment of $49,600 paid in November 2018. … Start monthly benefits beginning November 2018 - options: Single life annuity $238/mo 100% Joint and Survivor Annuity $216/mo Make no election now & defer payment until retirement (no lump sum avail) - options: Age 60 ...
by #Cruncher
Wed Sep 05, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Time to look at SS [When should I take Social Security?]
Replies: 55
Views: 5057

Re: Time to look at SS [When should I take Social Security?]

I am now 73. I took SS at 62 and have never regretted it for a second. … If the CAGR of your portfolio exceeds 8% there is no break even age. You could live to 150 and not break even. As a practical matter if your portfolio CAGR is greater than about 5% you are better off claiming early. I agree th...
by #Cruncher
Wed Sep 05, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: 2018 tax - filling marginal tax rate with Roth
Replies: 5
Views: 644

Re: 2018 tax - filling marginal tax rate with Roth

I assume my actual tax rate is derived by adding social security benefit plus my pension ... Not all of SS benefits are taxable. The actual amount is determined by a complicated method that is explained in the Wiki's Taxation of Social Security benefits . One result of this is additional ordinary i...
by #Cruncher
Tue Sep 04, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Excel sheet for approximate tax / income planning?
Replies: 7
Views: 897

Re: Excel sheet for approximate tax / income planning?

I'm looking to find / build an Excel spreadsheet for approximate tax planning. The Compare sheet of my Marginal Tax Rates spreadsheet might suffice. It's not slick like the online calculators and requires you to combine income into one of four categories. [*] But it does show how taxable SS is dete...
by #Cruncher
Tue Sep 04, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 102
Views: 9381

Re: 2-Year Treasury Note Auction

I guess a standard approach would be to just use the XIRR function to calculate the internal rate of return based on the cash flows and dates. For the case of a non-rolling bond ladder set up so that approximately the same amount of principal and interest come due each year, the return can be more ...
by #Cruncher
Tue Sep 04, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 102
Views: 9381

Re: 2-Year Treasury Note Auction

I think the important point is that the reinvestment rate has a lot to do with the realized return over longer time periods. This is true, Kevin, only if we assume that interest coupons are reinvested. If, instead, they are spent, then reinvestment rate is irrelevant. This would be the case, for in...
by #Cruncher
Mon Sep 03, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau's TIPS ladder guide
Replies: 9
Views: 4637

Re: Wade Pfau's TIPS ladder guide

Recently I located this old thread to examine Wade Pfau's ladder . But I noticed that the link to his article in the original post no longer worked. Here is a working link: How Do I Build a TIPS Bond Ladder for Retirement Income? That 1.29% number is just an internal rate of return calculation where...
by #Cruncher
Sun Sep 02, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 102
Views: 9381

Re: 2-Year Treasury Note Auction

It's also more accurate for cases when the premium or discount to par is greater. ... Seems to me that this is more a function of the assumed reinvestment rate on the coupons over the long holding period, rather than the amount of premium or discount to par. ... I should have said that the YIELD fu...
by #Cruncher
Fri Aug 31, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: loan payoff question - take 25% discount or keep paying 0%
Replies: 12
Views: 901

Re: loan payoff question - take 25% discount or keep paying 0%

How do I figure out if I should keep paying 0%, or, accept their 25% discount for paying it now? You'd get a return of about 4.6% on your money by paying off the loan. I assume 156 monthly payments (12 X 13 years). Since the interest rate is 0%, for each $156 you owe, the monthly payment is $1. You...
by #Cruncher
Fri Aug 31, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5175

Re: Will I ever sell Ibonds from 2001 - 3% fixed

Let me comment on some of your points, AlphaLess. 2. Historical rate of iBonds. This is a 2-dim table, as one needs to know both the issue date of iBond and historical semiannual inflation rate: https://www.treasurydirect.gov/indiv/research/indepth/ibonds/IBondRateChart.pdf This table has the same i...
by #Cruncher
Fri Aug 31, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5175

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I bonds from the 2001 year paid an above average fixed rate in the mid to high 3%. Not quite. Here are the fixed rates for I Bonds bought in 2001 according to TreasuryDirect's What have rates been in the past? : 3.4% : January - April 3.0% : May - October 2.0% : November - December How is the infla...
by #Cruncher
Thu Aug 30, 2018 11:56 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 237
Views: 199464

Re: Please Try Out Test Posts Here

testing if I can upload pic: [url=https://imgur.com/fEhfgbM][img]http://i.imgur.com/fEhfgbM.png[/img] [/url] Here is what you had: [url][url=https://imgur.com/fEhfgbM][img]http://i.imgur.com/fEhfgbM.png[/img][/url][/url] Looks like you had an extra enclosing "url", "/url" pair, Blueskies123. The fo...
by #Cruncher
Tue Aug 28, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 102
Views: 9381

Re: 2-Year Treasury Note Auction

The 2-year note, CUSIP 9128282T6, sold for 99.813152 on 8/28/2017, issued 8/31/2017 , with coupon rate of 1.250% … Bid quote for quantity 25 of 9128282T6 at Fidelity now is 98.765 . So price return is -1.05% = 98.765/99.813152 - 1. In three days you will have received the second coupon payment, so ...
by #Cruncher
Sun Aug 26, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Ladder in a taxable account
Replies: 7
Views: 771

Re: TIPS Ladder in a taxable account

Any suggestions how to build the ladder you suggest, assuming that, for example, I want $100,000 per year (inflation adjusted) and I also want the ladder to be able to cover the taxes for, say, 3% annual inflation? Here's one possibility with five TIPS to cover the 26 years from 2023-2048: Feb 2045...
by #Cruncher
Sun Aug 26, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Where's the Inflation Hedge for Short-Term TIPS?
Replies: 79
Views: 4670

Re: Where's the Inflation Hedge for Short-Term TIPS?

An inflation hedge doesn't mean a positive real return. Precisely! The real yield of 5-year TIPS started out at -1.36% Jan 1, 2013; so it's not surprising the real return over the next five years would be negative. 5-year TIPS yields rose 1.71% points to +0.35% Jan 1, 2018. (See 5-year constant mat...
by #Cruncher
Sat Aug 25, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6733

Re: How do you calculate net worth with pensions?

... people can try to figure the value of their pensions but that is another useless number. Estimating the value of a pension can be useful when the pension doesn't start until after one retires. As explained In my post, Effect of Social Security when Retiring before Benefits Begin (underline adde...
by #Cruncher
Fri Aug 24, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing monthly Social Security payments
Replies: 33
Views: 3023

Re: Investing monthly Social Security payments

#Cruncher, ... the calculations rest on two variables (as you note): I submit it only depends on life expectancy and expected return on one's portfolio. Both of those variables are unknowable. Admiral, "unknowable" is a little strong. Granted I don't know precisely what my future investment return ...
by #Cruncher
Fri Aug 24, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: TIPS Ladder in a taxable account
Replies: 7
Views: 771

Re: TIPS Ladder in a taxable account

..., if over 30 years we have 3% inflation, then for every $1,000 of proceeds it would cost $32,839? For example, if I wanted $100,000 (real) per year for 30 years via a TIPS ladder, then that would cost about $3,283,900 in taxes? Over the course of 30 years? No, no! I was unclear. What I mean is t...
by #Cruncher
Fri Aug 24, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: TIPS Ladder in a taxable account
Replies: 7
Views: 771

Re: TIPS Ladder in a taxable account

The main thing holding me back at this point is that I'm struggling to understand the impact of taxes on the TIPS ladder, ... Welcome to the forum, sf64. The main problem with holding a TIPS ladder in a taxable account is that the after tax proceeds decline with higher inflation, making it impossib...