{"id":343190,"date":"2025-12-14T04:46:25","date_gmt":"2025-12-14T04:46:25","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/monthly-inflation-adjusted-income-my-money-blog\/"},"modified":"2025-12-14T04:46:25","modified_gmt":"2025-12-14T04:46:25","slug":"monthly-inflation-adjusted-income-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=343190","title":{"rendered":"Monthly Inflation-Adjusted Income \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2025\/12\/lifex_tips_cpi.jpeg\" alt=\"\" width=\"720\" height=\"452\" class=\"aligncenter size-full wp-image-84560\" \/><\/p>\n<p>Sometimes it seems like everyone just wants risk these days. Crypto.  Sports gambling. Options trading, ETFs that magically yield 10% or more.  However, if you\u2019re in the opposite camp and you want the absolute least amount of risk, you\u2019d want to retire off an investment that has a return that is fully-guaranteed, pays out a monthly income like clockwork, is even guaranteed to grow with inflation.   Inflation was relatively mild for a long time until recently, but historically it has been a significant risk factor.<\/p>\n<p>If that interests you, check out <a href=\"https:\/\/www.thedailyupside.com\/etf\/investing-strategies-etf\/3-ways-to-build-an-inflation-adjusted-pension-yes-theres-even-an-etf-for-that\/\" target=\"_blank\">3 Ways to Build an Inflation-Adjusted Pension<\/a> by Allan Roth \u2013 which first reminds you that Social Security is exactly this! \u2013 but also introduces a new series of <a href=\"https:\/\/www.lifexfunds.com\/inflation-protected-income-etfs\" target=\"_blank\">LifeX Inflation-Protected Longevity Income ETFs<\/a>. <\/p>\n<p>At current rates as of 12\/11\/25, the LifeX 2055 Inflation-Protected Longevity Income ETF (<a href=\"https:\/\/www.lifexfunds.com\/etfs\/liam\" target=\"_blank\">LIAM<\/a>) contains a managed portfolio of United States Treasury Inflation Indexed Bonds (TIPS) that can provide you with a 4.26% guaranteed real withdrawal rate for 30 years.   That means a $1,000,000 portfolio would distribute roughly $42,600 in annual income this year, but that number would increase with CPI inflation each year for 30 years (through the year 2055).   At 3% average inflation, your 30th year\u2019s income would have grown to over $100,000 a year.  Of course, inflation could be a lot higher, which is why no private insurance company will sell you inflation protection over such a long period of time.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2025\/12\/lifex_tips_2512.jpeg\" alt=\"\" width=\"720\" height=\"151\" class=\"aligncenter size-full wp-image-84556\" \/><\/p>\n<p>After those 30 years, you will be left with nothing.  Your initial principal will be gone.   Therefore, your income taken each year is partially a return of principal.  <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2025\/12\/lifex_tips_2512b.jpeg\" alt=\"\" width=\"720\" height=\"96\" class=\"aligncenter size-full wp-image-84555\" \/><\/p>\n<p>The expense ratio is 0.25%, which isn\u2019t Vanguard-level but not horrible.   I like that it does all of the work for you in a tidy ETF package, as building a TIPS ladder yourself can be a bit tricky (and do you want to keep doing it at age 80, 90?).   Of course, I also worry about what happens if you bought a 30-year ladder at 65 and happen to live past 95.   It could happen, and remember, this product is meant for the risk-averse folks that like to cover all the bases.<\/p>\n<p>In general, I feel a TIPS ladder or equivalent that adjusts with inflation would work well in combination with a traditional annuity like an SPIA or a deferred longevity annuity that starts at a later age, which doesn\u2019t adjust with inflation but does provide an higher initial fixed income that can last as long as you live.   This is what I have set up for my parents \u2013 Social Security that rises with inflation, plus a joint income annuity that pays out as long as one is living.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Sometimes it seems like everyone just wants risk these days. Crypto. Sports gambling. Options trading, ETFs that magically yield 10% or more. However, if you\u2019re in the opposite camp and you want the absolute least amount of risk, you\u2019d want to retire off an investment that has a return that is fully-guaranteed, pays out a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":343191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[3767,10975,166513,832,4757],"dealstore":[],"offerexpiration":[],"class_list":["post-343190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-blog","tag-income","tag-inflationadjusted","tag-money","tag-monthly"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Monthly Inflation-Adjusted Income \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=343190\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monthly Inflation-Adjusted Income \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Sometimes it seems like everyone just wants risk these days. 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