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	Principal income	Interest income	Total income
2031	91282CBF7 × 13	2031-01-15	0.125%	2.048%	$1196.83	$1,054.34		$13,706	$7	$13,713	$15,559	$4,009	$19,568
2032	912810FQ6 × 9	2032-04-15	3.375%	2.106%	$1755.24	$1,916.51		$17,249	$51	$17,300	$15,797	$3,732	$19,530
2033	91282CGK1 × 15	2033-01-15	1.125%	2.085%	$1045.92	$966.83		$14,502	$61	$14,563	$15,689	$3,378	$19,066
2034	91282CJY8 × 17	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$16,719	$104	$16,823	$17,230	$2,677	$19,908
2035¹	91282CJY8 × 17	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$16,719	$104	$16,823	$17,230	$2,065	$19,296
2036¹	91282CJY8 × 18	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$17,702	$111	$17,813	$18,244	$2,065	$20,309
2037¹	91282CJY8 × 17	2034-01-15	1.750%	2.092%	$1013.55	$983.46		$16,719	$104	$16,823	$17,230	$2,065	$19,296
2038²	912810QF8 × 12	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2038-02-15	$17,184	$96	$17,280	$17,297	$1,882	$19,179
2039²	912810QF8 × 12	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00	2039-02-15	$17,184	$96	$17,280	$17,297	$1,514	$18,812
2040	912810QF8 × 13	2040-02-15	2.125%	2.173%	$1441.46	$1,432.00		$18,616	$104	$18,720	$18,739	$1,131	$19,870
2041	912810QP6 × 13	2041-02-15	2.125%	2.163%	$1422.69	$1,415.13		$18,397	$103	$18,499	$18,495	$736	$19,230
2042	912810QV3 × 14	2042-02-15	0.750%	2.225%	$1378.80	$1,081.93		$15,147	$38	$15,185	$19,303	$467	$19,770
2043	912810RA8 × 14	2043-02-15	0.625%	2.234%	$1355.11	$1,022.69		$14,318	$31	$14,349	$18,972	$335	$19,307
2044	912810RF7 × 15	2044-02-15	1.375%	2.248%	$1336.81	$1,151.74		$17,276	$72	$17,348	$20,052	$138	$20,190
Totals										$232,519			$273,330

^{[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.}^dummy^dummy

Generated TIPS Ladder
Year funded	TIPS holdings	Net purchase cost	Principal income	Interest income	Total income
2031	91282CBF7 × 13	$13,713	$15,559	$4,009	$19,568
2032	912810FQ6 × 9	$17,300	$15,797	$3,732	$19,530
2033	91282CGK1 × 15	$14,563	$15,689	$3,378	$19,066
2034	91282CJY8 × 17	$16,823	$17,230	$2,677	$19,908
2035¹	91282CJY8 × 17	$16,823	$17,230	$2,065	$19,296
2036¹	91282CJY8 × 18	$17,813	$18,244	$2,065	$20,309
2037¹	91282CJY8 × 17	$16,823	$17,230	$2,065	$19,296
2038²	912810QF8 × 12	$17,280	$17,297	$1,882	$19,179
2039²	912810QF8 × 12	$17,280	$17,297	$1,514	$18,812
2040	912810QF8 × 13	$18,720	$18,739	$1,131	$19,870
2041	912810QP6 × 13	$18,499	$18,495	$736	$19,230
2042	912810QV3 × 14	$15,185	$19,303	$467	$19,770
2043	912810RA8 × 14	$14,349	$18,972	$335	$19,307
2044	912810RF7 × 15	$17,348	$20,052	$138	$20,190
Totals		$232,519			$273,330

^{[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.}^dummy^dummy

Parameters
Desired annual real income	19440
Income requirement kind	Average
Earliest year to fund	2031
Final year to fund	2044
Bond choice within year	Best yield
Bond choice for years with no maturing TIPS	Bond maturing in the year nearest to the start of rung-year

Properties
Years funded	14
Cost to purchase	$232,519
Total income	$273,330
Annual income average	$19,524
Annual income minimum	$18,812
Withdrawal Rate	8.40%
XIRR	2.17%
TIPS price date	2024-5-17
Creation time (NY)	2024-5-18 7:58 AM
Purchase date	2024-5-20
Settlement date	2024-5-21