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Treasury Inflation Protected Securities (TIPS)

TIPS are used in the portfolio as protection during stock market downturns
Bond funds are avoided because their values fluctuate with external factors such as interest rates and market sentiment
Bond funds are not used for diversification purposes
Instead, 5 to 7 year TIPS ladders are incorporated to cover the gap in essential expenses not met by secure income sources
Porfolio allocation (stocks to bonds) is derived from income protection