Agreed, and if you want to get more exotic in terms of duration matching, you could do something like this, which is very simple:rkhusky wrote: Sat Feb 01, 2025 1:56 pmYou don’t have to do that with funds, it’s a choice. You could just use an intermediate fund, and set up an automatic withdrawal to your checking. And with the fund you don’t need to worry about an unexpected expense and having to sell a bond early or reinvesting money you didn’t spend. Just take the money out of the fund when you need it.bikechuck wrote: Sat Feb 01, 2025 1:30 pm I find the ladder far easier to manage than messing around with TIPS funds of short, medium and long term durations and rebalancing them appropriately as I age.
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