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 × 38	2025-04-15	0.125%	3.185%	$1206.17	$1,173.38		$44,588	$5	$44,594	$14,863	$45,835	$29,698	$90,396
2026	912810FS2 × 39	2026-01-15	2.000%	2.672%	$1569.73	$1,552.56		$60,550	$424	$60,974		$61,219	$29,058	$90,277
2027	912828V49 × 47	2027-01-15	0.375%	2.397%	$1289.77	$1,223.26		$57,493	$79	$57,572		$60,619	$28,332	$88,951
2028	912810PV4 × 42	2028-01-15	1.750%	2.244%	$1487.16	$1,461.60		$61,387	$378	$61,766		$62,461	$27,671	$90,132
2029	912810FH6 × 34	2029-04-15	3.875%	2.117%	$1895.18	$2,049.76		$69,692	$239	$69,931		$64,436	$25,876	$90,313
2030	912828Z37 × 54	2030-01-15	0.125%	2.059%	$1210.94	$1,086.44		$58,668	$28	$58,696		$65,391	$24,587	$89,978
2031	91282CBF7 × 55	2031-01-15	0.125%	2.048%	$1196.83	$1,054.34		$57,989	$28	$58,017		$65,826	$24,505	$90,331
2032	912810FQ6 × 38	2032-04-15	3.375%	2.106%	$1755.24	$1,916.51		$72,827	$215	$73,042		$66,699	$23,338	$90,038
2033	91282CGK1 × 63	2033-01-15	1.125%	2.085%	$1045.92	$966.83		$60,910	$257	$61,167		$65,893	$21,842	$87,735
2034	91282CJY8 × 73	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$71,792	$448	$72,241		$73,989	$18,900	$92,889
2035¹	91282CJY8 × 72	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$70,809	$442	$71,251		$72,975	$16,328	$89,303
2036¹	91282CJY8 × 73	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$71,792	$448	$72,241		$73,989	$16,328	$90,317
2037¹	91282CJY8 × 72	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$70,809	$442	$71,251		$72,975	$16,328	$89,303
2038²	912810QF8 × 52	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2038-02-15	$74,464	$416	$74,879		$74,956	$15,531	$90,487
2039²	912810QF8 × 53	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2039-02-15	$75,896	$424	$76,319		$76,397	$13,923	$90,320
2040	912810QF8 × 54	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00		$77,328	$432	$77,759		$77,839	$12,285	$90,123
2041	912810QP6 × 55	2041-02-15	2.125%	2.163%	$1422.69	$1,415.13		$77,832	$434	$78,266		$78,248	$10,626	$88,874
2042	912810QV3 × 59	2042-02-15	0.750%	2.225%	$1378.80	$1,081.93		$63,834	$159	$63,993		$81,349	$9,490	$90,839
2043	912810RA8 × 60	2043-02-15	0.625%	2.234%	$1355.11	$1,022.69		$61,361	$133	$61,494		$81,307	$8,931	$90,237
2044	912810RF7 × 61	2044-02-15	1.375%	2.248%	$1336.81	$1,151.74		$70,256	$293	$70,549		$81,545	$8,116	$89,661
2045	912810RL4 × 62	2045-02-15	0.750%	2.252%	$1323.06	$995.19		$61,702	$161	$61,862		$82,030	$7,248	$89,277
2046	912810RR1 × 64	2046-02-15	1.000%	2.260%	$1314.89	$1,031.78		$66,034	$220	$66,253		$84,153	$6,519	$90,672
2047	912810RW0 × 65	2047-02-15	0.875%	2.257%	$1290.66	$974.85		$63,365	$192	$63,557		$83,893	$5,731	$89,624
2048	912810SB5 × 68	2048-02-15	1.000%	2.263%	$1263.42	$971.65		$66,072	$224	$66,296		$85,913	$4,935	$90,848
2049	912810SG4 × 69	2049-02-15	1.000%	2.246%	$1238.12	$946.39		$65,301	$223	$65,524		$85,430	$4,078	$89,509
2050	912810SM1 × 71	2050-02-15	0.250%	2.228%	$1211.83	$744.14		$52,834	$56	$52,890		$86,040	$3,543	$89,583
2051	912810SV1 × 73	2051-02-15	0.125%	2.198%	$1196.67	$697.06		$50,886	$28	$50,914		$87,357	$3,381	$90,738
2052	912810TE8 × 77	2052-02-15	0.125%	2.193%	$1119.19	$640.04		$49,283	$28	$49,311		$86,178	$3,273	$89,451
2053	912810TP3 × 84	2053-02-15	1.500%	2.222%	$1048.11	$887.95		$74,588	$345	$74,932		$88,041	$2,559	$90,600
2054	912810TY4 × 88	2054-02-15	2.125%	2.214%	$1015.16	$995.49		$87,603	$495	$88,098		$89,334	$949	$90,283
Totals										$1,975,641				$2,701,091

^{[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 × 38	$44,594	$14863.50	$45,835	$29,698	$90,396
2026	912810FS2 × 39	$60,974		$61,219	$29,058	$90,277
2027	912828V49 × 47	$57,572		$60,619	$28,332	$88,951
2028	912810PV4 × 42	$61,766		$62,461	$27,671	$90,132
2029	912810FH6 × 34	$69,931		$64,436	$25,876	$90,313
2030	912828Z37 × 54	$58,696		$65,391	$24,587	$89,978
2031	91282CBF7 × 55	$58,017		$65,826	$24,505	$90,331
2032	912810FQ6 × 38	$73,042		$66,699	$23,338	$90,038
2033	91282CGK1 × 63	$61,167		$65,893	$21,842	$87,735
2034	91282CJY8 × 73	$72,241		$73,989	$18,900	$92,889
2035¹	91282CJY8 × 72	$71,251		$72,975	$16,328	$89,303
2036¹	91282CJY8 × 73	$72,241		$73,989	$16,328	$90,317
2037¹	91282CJY8 × 72	$71,251		$72,975	$16,328	$89,303
2038²	912810QF8 × 52	$74,879		$74,956	$15,531	$90,487
2039²	912810QF8 × 53	$76,319		$76,397	$13,923	$90,320
2040	912810QF8 × 54	$77,759		$77,839	$12,285	$90,123
2041	912810QP6 × 55	$78,266		$78,248	$10,626	$88,874
2042	912810QV3 × 59	$63,993		$81,349	$9,490	$90,839
2043	912810RA8 × 60	$61,494		$81,307	$8,931	$90,237
2044	912810RF7 × 61	$70,549		$81,545	$8,116	$89,661
2045	912810RL4 × 62	$61,862		$82,030	$7,248	$89,277
2046	912810RR1 × 64	$66,253		$84,153	$6,519	$90,672
2047	912810RW0 × 65	$63,557		$83,893	$5,731	$89,624
2048	912810SB5 × 68	$66,296		$85,913	$4,935	$90,848
2049	912810SG4 × 69	$65,524		$85,430	$4,078	$89,509
2050	912810SM1 × 71	$52,890		$86,040	$3,543	$89,583
2051	912810SV1 × 73	$50,914		$87,357	$3,381	$90,738
2052	912810TE8 × 77	$49,311		$86,178	$3,273	$89,451
2053	912810TP3 × 84	$74,932		$88,041	$2,559	$90,600
2054	912810TY4 × 88	$88,098		$89,334	$949	$90,283
Totals		$1,975,641				$2,701,091

Parameters
Desired annual real income	90000
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	$1,975,641
Total income	$2,701,091
Annual income average	$90,036
Annual income minimum	$87,735
Withdrawal Rate	4.56%
XIRR	2.21%
TIPS price date	2024-5-17
Creation time (NY)	2024-5-18 8:10 AM
Purchase date	2024-5-20
Settlement date	2024-5-21