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Channel: Comments on: Is a Bond Fund the Same as a Bond Ladder?
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By: Mike

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I agree that in many cases an annuity is preferable. That said, some people simply aren’t going to buy an annuity one way or another. They just aren’t OK with the idea that the money is gone when they die, even if they die very shortly after purchasing the annuity.

As as “just buying the thing you wanted,” that’s obviously impractical for things other than food. As far as physical goods, you can only store so many. Many things that you’ll eventually want haven’t even been invented yet. And then there’s just the fact that most people right now don’t know exactly what they’ll want to purchase many years from now.

In other words, I agree that TIPS yields stink. And I agree that lifetime inflation adjusted annuities are a better choice for many people. But I still think that leaves a TIPS ladder as a reasonable choice for many investors (and, to get back to the point of the article, that a bond fund cannot serve exactly the same purpose).


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