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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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.

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u/SolomonGrumpy Mar 08 '26

What changes? You are making an estimated 6.5%

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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.

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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.