Use case
Streamline Bucketing Strategy
Goal
Many investors use a “bucket” strategy, dividing assets by time horizon and purpose, with a near-term bucket reserved for essential spending
Challenge
Traditional solutions often don’t provide steady, scheduled income that align with your essential spending needs
Solution
LifeX ETFs are designed to simplify the common bucketing strategy—locking in today’s interest rates and delivering predictable monthly cash flow with the liquidity of an ETF
See how LifeX can streamline your retirement bucketing strategy
(Illustrative Example)
(Illustrative Example)
Cash Flow
Interest only, generally
Either interest only or lump sum at maturity
Interest income plus return of principal
Predictability
Cash flow rises and falls based on short-term interest rates
Interest rate locked in at purchase
Cash flow designed to be locked in at purchase
Flexability to Adjust
Flexibility to adjust. Buy or sell shares daily; may have trading commission
May have early withdrawal penalty or trading commission
Buy or sell shares daily; typically commission-free1
Tax Efficiencies2
If Treasury only, income may be exempt from state and local taxes
None; income is taxable at federal, state, and local levels
Includes non-taxable return of capital and SALT-exempt Treasury income2
Individual bonds carry an obligation to fully return principal to investors at maturity, however LIfeX ETFs have no such obligation. The net asset value of LifeX ETFs will decline over time as principal is returned to shareholders. The ETFs are designed to return substantially all principal by the December of the end year stated.
Designed to help you plan
Find out which LifeX ETF can help fit your monthly cash flow needs
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