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Buying an individual TIPS ladder would be an alternative to the CD ladder mentioned before. These are not mutually exclusive since you could put some money into a CD ladder and some into a TIPS ladder for some diversification. You sould alos have a third ladder of non-TIPS treasury bonds too.

To me individual TIPS would seem preferable to a TIPS mutual fund since you would not need to worry about the mutual fund going down. Ask if you don't understand how individual bonds and bond mutual funds behave very differently when interest rates change.

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