Generated TIPS Ladder
Year funded	TIPS holdings	Maturity date	Coupon	Yield to maturity	Inflation- adjusted principal	Ask price	Pre- maturity liquidation	Cost of bonds	Accrued interest cost	Net purchase cost	Pre- ladder interest³	Principal income	Interest income	Total income
2025	912828ZJ2 × 20	2025-04-15	0.125%	3.185%	$1206.17	$1,173.38		$23,468	$3	$23,470	$8,261	$24,123	$16,506	$48,890
2026	912810FS2 × 22	2026-01-15	2.000%	2.672%	$1569.73	$1,552.56		$34,156	$239	$34,395		$34,534	$16,146	$50,680
2027	912828V49 × 27	2027-01-15	0.375%	2.397%	$1289.77	$1,223.26		$33,028	$45	$33,073		$34,824	$15,735	$50,559
2028	912810PV4 × 23	2028-01-15	1.750%	2.244%	$1487.16	$1,461.60		$33,617	$207	$33,824		$34,205	$15,371	$49,575
2029	912810FH6 × 19	2029-04-15	3.875%	2.117%	$1895.18	$2,049.76		$38,945	$133	$39,079		$36,008	$14,374	$50,382
2030	912828Z37 × 30	2030-01-15	0.125%	2.059%	$1210.94	$1,086.44		$32,593	$16	$32,609		$36,328	$13,653	$49,982
2031	91282CBF7 × 30	2031-01-15	0.125%	2.048%	$1196.83	$1,054.34		$31,630	$16	$31,646		$35,905	$13,608	$49,513
2032	912810FQ6 × 21	2032-04-15	3.375%	2.106%	$1755.24	$1,916.51		$40,247	$119	$40,366		$36,860	$12,964	$49,824
2033	91282CGK1 × 36	2033-01-15	1.125%	2.085%	$1045.92	$966.83		$34,806	$147	$34,952		$37,653	$12,130	$49,783
2034	91282CJY8 × 40	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$39,338	$246	$39,584		$40,542	$10,499	$51,041
2035¹	91282CJY8 × 40	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$39,338	$246	$39,584		$40,542	$9,080	$49,622
2036¹	91282CJY8 × 40	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$39,338	$246	$39,584		$40,542	$9,080	$49,622
2037¹	91282CJY8 × 40	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$39,338	$246	$39,584		$40,542	$9,080	$49,622
2038²	912810QF8 × 29	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2038-02-15	$41,528	$232	$41,760		$41,802	$8,636	$50,438
2039²	912810QF8 × 29	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2039-02-15	$41,528	$232	$41,760		$41,802	$7,748	$49,550
2040	912810QF8 × 30	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00		$42,960	$240	$43,200		$43,244	$6,844	$50,088
2041	912810QP6 × 31	2041-02-15	2.125%	2.163%	$1422.69	$1,415.13		$43,869	$245	$44,114		$44,103	$5,916	$50,019
2042	912810QV3 × 33	2042-02-15	0.750%	2.225%	$1378.80	$1,081.93		$35,704	$89	$35,793		$45,501	$5,277	$50,777
2043	912810RA8 × 33	2043-02-15	0.625%	2.234%	$1355.11	$1,022.69		$33,749	$73	$33,822		$44,719	$4,966	$49,685
2044	912810RF7 × 34	2044-02-15	1.375%	2.248%	$1336.81	$1,151.74		$39,159	$163	$39,322		$45,452	$4,514	$49,966
2045	912810RL4 × 35	2045-02-15	0.750%	2.252%	$1323.06	$995.19		$34,832	$91	$34,922		$46,307	$4,028	$50,335
2046	912810RR1 × 35	2046-02-15	1.000%	2.260%	$1314.89	$1,031.78		$36,112	$120	$36,232		$46,021	$3,624	$49,645
2047	912810RW0 × 36	2047-02-15	0.875%	2.257%	$1290.66	$974.85		$35,095	$106	$35,201		$46,464	$3,191	$49,655
2048	912810SB5 × 38	2048-02-15	1.000%	2.263%	$1263.42	$971.65		$36,923	$125	$37,048		$48,010	$2,748	$50,758
2049	912810SG4 × 38	2049-02-15	1.000%	2.246%	$1238.12	$946.39		$35,963	$123	$36,086		$47,049	$2,272	$49,321
2050	912810SM1 × 40	2050-02-15	0.250%	2.228%	$1211.83	$744.14		$29,766	$32	$29,797		$48,473	$1,977	$50,450
2051	912810SV1 × 40	2051-02-15	0.125%	2.198%	$1196.67	$697.06		$27,882	$16	$27,898		$47,867	$1,886	$49,753
2052	912810TE8 × 43	2052-02-15	0.125%	2.193%	$1119.19	$640.04		$27,522	$16	$27,537		$48,125	$1,826	$49,951
2053	912810TP3 × 47	2053-02-15	1.500%	2.222%	$1048.11	$887.95		$41,734	$193	$41,926		$49,261	$1,426	$50,688
2054	912810TY4 × 49	2054-02-15	2.125%	2.214%	$1015.16	$995.49		$48,779	$276	$49,055		$49,743	$529	$50,271
Totals										$1,097,223				$1,500,447

^{[1]: No TIPS matures this year so an earlier-maturing one is used.}^{[2]: No TIPS matures this year so a later-maturing one is used.}^{[3]: Interest earned before the start of the ladder's first year.}^dummy

Generated TIPS Ladder
Year funded	TIPS holdings	Net purchase cost	Pre- ladder interest³	Principal income	Interest income	Total income
2025	912828ZJ2 × 20	$23,470	$8260.70	$24,123	$16,506	$48,890
2026	912810FS2 × 22	$34,395		$34,534	$16,146	$50,680
2027	912828V49 × 27	$33,073		$34,824	$15,735	$50,559
2028	912810PV4 × 23	$33,824		$34,205	$15,371	$49,575
2029	912810FH6 × 19	$39,079		$36,008	$14,374	$50,382
2030	912828Z37 × 30	$32,609		$36,328	$13,653	$49,982
2031	91282CBF7 × 30	$31,646		$35,905	$13,608	$49,513
2032	912810FQ6 × 21	$40,366		$36,860	$12,964	$49,824
2033	91282CGK1 × 36	$34,952		$37,653	$12,130	$49,783
2034	91282CJY8 × 40	$39,584		$40,542	$10,499	$51,041
2035¹	91282CJY8 × 40	$39,584		$40,542	$9,080	$49,622
2036¹	91282CJY8 × 40	$39,584		$40,542	$9,080	$49,622
2037¹	91282CJY8 × 40	$39,584		$40,542	$9,080	$49,622
2038²	912810QF8 × 29	$41,760		$41,802	$8,636	$50,438
2039²	912810QF8 × 29	$41,760		$41,802	$7,748	$49,550
2040	912810QF8 × 30	$43,200		$43,244	$6,844	$50,088
2041	912810QP6 × 31	$44,114		$44,103	$5,916	$50,019
2042	912810QV3 × 33	$35,793		$45,501	$5,277	$50,777
2043	912810RA8 × 33	$33,822		$44,719	$4,966	$49,685
2044	912810RF7 × 34	$39,322		$45,452	$4,514	$49,966
2045	912810RL4 × 35	$34,922		$46,307	$4,028	$50,335
2046	912810RR1 × 35	$36,232		$46,021	$3,624	$49,645
2047	912810RW0 × 36	$35,201		$46,464	$3,191	$49,655
2048	912810SB5 × 38	$37,048		$48,010	$2,748	$50,758
2049	912810SG4 × 38	$36,086		$47,049	$2,272	$49,321
2050	912810SM1 × 40	$29,797		$48,473	$1,977	$50,450
2051	912810SV1 × 40	$27,898		$47,867	$1,886	$49,753
2052	912810TE8 × 43	$27,537		$48,125	$1,826	$49,951
2053	912810TP3 × 47	$41,926		$49,261	$1,426	$50,688
2054	912810TY4 × 49	$49,055		$49,743	$529	$50,271
Totals		$1,097,223				$1,500,447

Parameters
Desired annual real income	50000
Income requirement kind	Average
Earliest year to fund	2025
Final year to fund	2054
Bond choice within year	Best yield
Bond choice for years with no maturing TIPS	Bond maturing nearest to start of rung-year

Properties
Years funded	30
Cost to purchase	$1,097,223
Total income	$1,500,447
Annual income average	$50,015
Annual income minimum	$48,890
Withdrawal Rate	4.56%
XIRR	2.21%
TIPS price date	2024-5-17
Creation time (NY)	2024-5-18 11:48 AM
Purchase date	2024-5-20
Settlement date	2024-5-21