2) If you want to leave something to your hiers, TIPS severely limit your upside. Look at the "Terminal Values" in the Retire Early Study on Safe Withdrawal Rates:Yup! And forget the heirs! I expect to re-evaluate every year and adjust up. It's just as if you started new each year! TIPS guarantee the minimum. A 4% withdrawl from equity will go up much faster than inflation in most years! That guarantees the minimum with an excellent chance of delivering more.Cheers,GW
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