Help with retirement planning. Where to build a TIPS ladder?

[wannaberetired]

Hey everyone, thanks in advance for your help. We're looking to retire soon-ish. These are rough numbers, and I'm mostly trying to figure out which account to buy a TIPS ladder in, $50k a year, and what to hold besides TIPS for the bond portion of the portfolio and where to hold that. Should it be Treasuries, CDs?

Me 45, partner 48

Pension: $1400 when partner is 60
Social security, $1400 when partner is 62, $3400 when I'm 70

Taxable: $2M in an S&P500 fund

401ks (rolling into IRAs): $800k in an S&P500 fund
457Bs: $600k in an S&P500 fund
Roth IRAs: $400k in an S&P500 fund
Ibonds: $200k

Any and all guidance is appreciated.

[Raspberry-503]

TIPS ladder are best in tax deferred accounts if you are going to be a while before you start consuming the ladder, as it kicks off a lot of interest from day 1. If on the other hand you are retiring next year, then design the ladder so that the interest is used as part of that year's income. So in year one you may have $30 interest and only $20 principal. In that case it doesn't matter a much, it's all taxed as interest income.

Tipsladder.com is a great tool to help you build a ladder that works.

You don't tell us how long you need the ladder to last, are you delaying till 70?.starting when?

At a quick glance a ladder from 2028 to 2051 at $50k a year would cost you around $850k so you may short or just about right in the IRA. Okay with the tool.

[steadyosmosis]

Hey everyone, thanks in advance for your help. We're looking to retire soon-ish. These are rough numbers, and I'm mostly trying to figure out which account to buy a TIPS ladder in, $50k a year, and what to hold besides TIPS for the bond portion of the portfolio and where to hold that. Should it be Treasuries, CDs?

Me 45, partner 48

Pension: $1400 when partner is 60
Social security, $1400 when partner is 62, $3400 when I'm 70

Taxable: $2M in an S&P500 fund

401ks (rolling into IRAs): $800k in an S&P500 fund
457Bs: $600k in an S&P500 fund
Roth IRAs: $400k in an S&P500 fund
Ibonds: $200k

Any and all guidance is appreciated.

My TIPS ladder is in my IRA.

[IDpilot]

Hey everyone, thanks in advance for your help. We're looking to retire soon-ish. These are rough numbers, and I'm mostly trying to figure out which account to buy a TIPS ladder in, $50k a year, and what to hold besides TIPS for the bond portion of the portfolio and where to hold that. Should it be Treasuries, CDs?

Me 45, partner 48

Pension: $1400 when partner is 60
Social security, $1400 when partner is 62, $3400 when I'm 70

Taxable: $2M in an S&P500 fund

401ks (rolling into IRAs): $800k in an S&P500 fund
457Bs: $600k in an S&P500 fund
Roth IRAs: $400k in an S&P500 fund
Ibonds: $200k

Any and all guidance is appreciated.

First, welcome to the forum!

For anyone here to give you sound answers to your questions you need to provide some basic information. You covered some of it but left much unsaid. So instead of playing twenty questions, please review the Asking Portfolio Questions thread here viewtopic.php?t=6212