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Greetings, JoDaddy, and welcome. You asked:

Hi fools. Looking for some advise. As I near retirement, I'm becoming interested in protecting part of a sizable IRA. The wife is insistant that she wants zero risk of loss of principal. She wouldn't listen to T-bill funds. So the question is: Can I somehow purchase T-bills at auction with IRA funds in such a way as to not run afoul of the IRA regulations? Lacking that, does anyone have any suggestions on how I might satisfy the lovely lady?

If she doesn't want funds, then the only other way is to buy them within an IRA you establish with a broker. You will have to pay the broker a fee for making the purchase, but I know of no other way to buy the instruments themselves within an IRA.

And BTW.... JeanDavid's comments about safety, inflation, and education are right on the money IMHO, particularly the latter. If you can convince your better half through education that some risk is far better than no risk at all, perhaps she might come around.

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