On October 24, 2022, precisely a year ago, we published an article by Allan Roth in Advisor Perspectives, The 4% Rule Just Became a Whole Lot Easier.  The idea for that article came from a conversation that Allan and I had.  I noted that real rates, as expressed by TIPS, were about 1.75%.  I thought that it would be possible to lock in the proverbial 4% safe withdrawal rate.  Allan did the analysis and found that, indeed, a 4.36% safe withdrawal rate was possible.  That article received widespread attention throughout the financial media. Perhaps it even had a role in the introduction of BlackRock’s new suite of defined-maturity TIPS ETFs.
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Here are a few links to resources:

• Allan Roth’s article, The 4% Rule Just Became a Whole Lot Easier - https://www.advisorperspectives.com/articles/2022/10/24/the-4-rule-just-became-a-whole-lot-easier
• Allan Roth’s article, A Case for BlackRock’s New Defined-Maturity TIPS ETFs - https://www.etf.com/sections/features/case-blackrocks-new-defined-maturity-tips-etfs
• IShares iBonds TIPS ETFs - https://www.ishares.com/us/literature/press-release/tips-ibonds-press-release.pdf
• BlackRock Flexible Income ETF (BINC) - https://www.blackrock.com/us/individual/products/331752/blackrock-flexible-income-etf
• BuyWrites Suite - https://www.ishares.com/us/literature/press-release/buywrites-pr-fnl.pdf
• A Wall Street Journal article about using TIPS ladders - https://www.wsj.com/personal-finance/tips-treasury-inflation-protected-securities-2023-7886474e?st=845ykpj6qxa4zfu&reflink=desktopwebshare_permalink 

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