An HSA?Contributions in '24:
I'd park it in a money market fund. Simple. Liquid. Stable value. About 4.5% return (at this moment).Is there anywhere you would park this cash to use EOY of '25? Currently it is earning nothing in a savings account.
You could also purchase a T-bill that matures when you will spend the money. At least you would know what the return would be throughout the investment timeline. However, the difference between this and a MMF will be small potatoes.
Use this tool to model how it might look. https://tpawplanner.com/How does early retirement look like at 60?
I don't think there is a good way. We know what it was, and we know what the market is predicting from the "inflation breakeven rate" of a 20 year TIPS bond. Currently that rate is 2.45%. https://fred.stlouisfed.org/series/T20Y ... 20PM%20CSTWhat is the best way to calculate inflation in 20yrs?
If you're concerned about unexpectedly high inflation, I think you have these options. Invest a large part of your portfolio in equities. Invest in inflation-indexed vehicles like TIPS and I-bonds. Claim social security at the latest age possible.
Statistics: Posted by dogagility — Wed Dec 18, 2024 12:37 pm