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Predictable Cash Flow. Streamlined Planning. Powered by Treasuries.

LifeX is a suite of U.S. Treasury bond ladder ETFs designed to deliver reliable, tax efficient monthly cash flow across personalized time horizons—from 3 to 40 years.
Each fund holds Treasuries to maturity, locking in today’s yields and distributing equal monthly payments that combine interest and principal.
Learn how LifeX can work for you
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The LifeX Lineup

Category
Time Horizon
Designed For
Income Bucket ETFs
3 – 10 years
Near-term or essential spending
Longevity Income ETFs
25 – 40 years
Long-term cash flow planning
Inflation-Protected Income ETFs
25 – 40 years
Cash flow that helps maintain purchasing power
Income Bucket ETFs
Time Horizon
3 – 10 years
Designed For
Near-term or essential spending
Longevity Income ETFs
Time Horizon
25 – 40 years
Designed For
Long-term cash flow planning
Inflation-Protected Income ETFs
Time Horizon
25 – 40 years
Designed For
Cash flow that maintains purchasing power

Why Advisors Use LifeX

Automate Cash Flow
Replace manual rebalancing and withdrawals with scheduled monthly distributions
Behavioral Alignment
Purpose-built for bucketing strategies that mirror how clients naturally think about cash needs vs. long-term investments
Strategic Cash Management
Potential to transform idle cash into a value-add service by locking in Treasury yields and reducing reinvestment risk
Operational Efficiency
A scalable, repeatable income solution that aims to simplify portfolio management for retirement heavy books
“Simple, automated cash…saves time, and clients love the predictability.”
— RIA CIO

Illustrative Cash Flow

(as of 10/30/2025)
BCKT (5-year)
LDDR (10-year)
LIAM (30-year)
Distributions Through
2030
2035
2055
Distribution Rate1
20.9%
11.7%
4.2%
ILLUSTRATIVE $250,000 INVESTMENT
Intended Distribution
$52,149
($4,346 monthly)
$29,308
($2,442 monthly)
$10,459 real
($872 monthly)
Distribution Type
Fixed
Fixed
Inflation-protected
BCKT (5-year)
Distributions Through
2030
Distribution Rate1
20.9%
ILLUSTRATIVE $250,000 INVESTMENT
Intended Distribution
$52,149 ($4,346 monthly)
Distribution Type
Fixed
LDDR (10-Year)
Distributions Through
2035
Distribution Rate1
11.7%
ILLUSTRATIVE $250,000 INVESTMENT
Intended Distribution
$29,308 ($2,442 monthly)
Distribution Type
Fixed
LIAM (30-Year)
Distributions Through
2055
Distribution Rate1
4.2%
ILLUSTRATIVE $250,000 INVESTMENT
Intended Distribution
$10,459 real ($872 monthly)
Distribution Type
Inflation-protected

LifeX in Action

Bridge to Social Security
Provide five years of steady income so clients can delay claiming benefits while keeping long-term assets invested
EXAMPLE
A 65-year-old uses BCKT (2030) to generate about $5,000/month through age 70— boosting her Social Security benefit by 35%.2
Support the First Decade of Retirement
Help support the first 10 years of retirement income with predictable monthly payouts, keeping growth assets invested and reducing sequencing risk
EXAMPLE
A 70-year-old uses LDDR (2035) to generate steady income through age 80, allowing her growth-oriented portfolio time to compound.
Inflation-Protected Supplement
Create an inflation-linked income stream to complement pension or Social Security income
EXAMPLE
A 60-year-old uses LIAM (2055) to generate inflation-adjusted cash flow for 30 years to complement her pension.

LifeX at a Glance

Holdings
Ladder of U.S. Treasuries generally held to maturity
Objective
Seeks to provide fixed or inflation-protected monthly distributions, consisting of income and principal, through the ETF’s end year
Principle Investments
U.S. government bonds
Tax3
Non-taxable return of principal + SALT-exempt Treasury interest income
Liquidity
Trades daily on exchanges
Expense Ratio
0.25%