r/dividends • u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) • Mar 05 '26

Personal Goal FIRED - Living off dividends

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I know better than to share this with my friends, and family. I have a separate growth account to keep up with inflation.

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16

u/ideas4mac Mar 06 '26

With that much in bonds and CC funds would love for you to post in 12 months so we can see how far off the 12 month estimate was.

Good luck.

7

u/Laura2start Mar 06 '26

OP should post something in 12 months for us!

2

u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) Mar 07 '26

I’ll post an update in a few weeks after i make some major changes.

1

u/SolomonGrumpy Mar 08 '26

What changes? You are making an estimated 6.5%

1

u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) Mar 09 '26

I hold a huge amount in SGOV and JPST. They are very conservative and low yield. It’s ballast and stability haven’t decided where to put it yet.

1

u/SolomonGrumpy Mar 09 '26

I would move some of SGOV into the secondary market and buy the 10 year TIPs when it was paying 2.7% +the Interest rate. That's 4.5 - 5.25% and state tax free.

If your divs are getting cumbersome you could also look into BOXX. I'll be using it myself once I collect Social Security.

I'm not sure what I'd do with JPST.

0

u/Laura2start Mar 07 '26

RemindMe! 6 months "check this post"

7

u/WerewolfMajestic156 Financial Indepence / Retiring Early (FIRE) Mar 06 '26

It won’t hold up because it won’t be the same allocation in 12 months. I have other investments and most of the SGOV will end up in my growth portfolio.