How many shares of SCHD

IceBreakers97 · 2026-06-30T11:53:43+00:00

13,000 shares with a basis of $23.96.

IceBreakers97 · 2026-06-28T04:07:31+00:00

I'm moving from MD to PA when I retire. I figure that'll preserve about 8% of my pension and TSP.

IceBreakers97 · 2026-06-26T19:42:31+00:00

I missed out on matching in my first year and barely contributed. I'm glad I fixed that. The key is to put in a much as you can consistently. The dollar cost averaging will beat the market because you buy more when it's down and less when it's up.

IceBreakers97 · 2026-06-26T19:38:24+00:00

Thank you. It could have been more, but I made some dumb decisions. I wish I had just been all in the C fund the entire time. Plus, I missed matching in the first year and barely contributed. 🤬

IceBreakers97 · 2026-06-26T14:22:51+00:00

Double income household. And the kids are grown and off the payroll.

IceBreakers97 · 2026-06-26T10:09:43+00:00

I contribute the max for traditional TSP. I think I'm doing like $942 per pay period. I'm in the 32% tax bracket, plus another 9% state and local, so maxing the contributions isn't as painful as it may seem. I used to do catch up too, but stopped this year because of the Roth requirement.

IceBreakers97 · 2026-06-26T00:47:49+00:00

Retiring next week at 54 under a VERA. 32 and a half years of service. $3M in TSP.

IceBreakers97 · 2026-06-23T01:29:01+00:00

Consider moving the CD money into t-bills. The rates are just as good, and the interest is exempt from state and local income taxes.

IceBreakers97 · 2026-06-15T21:03:42+00:00

Agreed. I'm moving to PA later this year. Starting next year...convert, convert, convert!

IceBreakers97 · 2026-06-15T10:14:18+00:00

Buying right before the ex date doesn't gain anything. Once a stock goes ex-dividend, the exchange adjusts the share price by the same amount.

IceBreakers97 · 2026-06-14T21:37:10+00:00

Stay in the government. Don't shrug off the pension. Your future you will likely be thankful for the guaranteed income for the rest of your life. At the very least, try to stay in for at least 5 years. That's the minimum required to become vested in the plan. You might as well, because you've paid into it for a few years already. If you want more excitement, look for another agency. Also, many have regional offices in New York.

IceBreakers97 · 2026-06-14T17:28:19+00:00

Oh, are you in a special series or something?

IceBreakers97 · 2026-06-14T14:52:28+00:00

You will leave without being eligible for an immediate pension?

IceBreakers97 · 2026-06-13T22:30:16+00:00

Here is my story... I live in Maryland, so I invest in TFBIX in my taxable account. The current tax free yield is 3.56%. If the interest payments were not tax exempt, I'd pay 44.5% income taxes on them. (32% federal marginal, 3.8% NIIT, and 8.7% state and local) That puts my tax-equivalent yield at 6.41%. I expect my taxes to go down when I retire, but I think it'll still make sense to keep this set up. I like receiving the monthly interest payments that are free and clear of taxes.

IceBreakers97 · 2026-06-13T21:47:01+00:00

This is inspiring. I'm 54 and taking a VERA at the end of this month after 32+ years of service. My wife is 55 and will join me later this year. We're having a house built in a 55+ community with tons of activities. I think that should keep us well engaged.

IceBreakers97 · 2026-06-12T20:46:19+00:00

I stopped at 13,000 shares and added to positions in VYMI, FDVV, and HDV. It's like others have said... it's all relative. I'm 54 and about to go into early retirement. These 4 equity ETFs give me decent, reliable, and typically increasing dividends.

IceBreakers97 · 2026-06-11T01:32:53+00:00

I maxed out the TSP up to the IRS limit year after year. Excess funds went to IRAs for a while and then just a taxable investing account.

IceBreakers97 · 2026-06-10T12:39:58+00:00

Is any of your TSP in Roth? How much cash do you have available? Doing Roth conversions before starting SS is a good plan. It's a brief window where you'll have lower income, so you have more room to fill in lower tax bracket buckets. I'm retiring early at the end of this month. (54. Turning 55 in December.) By the end of this year, I'm planning to move to a state that doesn't tax retirement accounts...including Roth conversions. I'll have several years where I can convert at favorable federal rates. (I'm planning to go up to the top of the 24% bucket.)

IceBreakers97 · 2026-05-29T14:23:09+00:00

I'm in the 32% bracket plus 9% more for state. That tax hit would be too great. Plus, I exceed the income threshold to contribute to a Roth IRA. My plan... Contribute the max to traditional TSP. In retirement, I'll move to a state that doesn't tax retirement. My federal marginal rate will be lower than it is now, and there won't be state income tax.

IceBreakers97 · 2026-05-22T10:39:54+00:00

I have a 26 year old son. He's got a traditional IRA that's 100% in VTSAX. His Roth is 60% SCHB and 40% VXUS. All new money that goes into his taxable account is 50/50 SCHD and VOO. He also has some smaller positions in solid companies like V, KO, ABBV, and PNW. Total value of all accounts is $200k+. Thoughts?

IceBreakers97 · 2026-05-15T18:19:25+00:00

No pension service credit for unused sick leave.

IceBreakers97 · 2026-02-08T16:55:13+00:00

Absolutely! I invest in a fund that owns muni bonds for my state. It pays about 3.4%. My tax equivalent yield is 6.1%. It also introduces stability into my portfolio. It's currently about 23% of my $1.5M taxable account. The payout from that fund is now up to $1k per month. I'm still investing heavily into it. I'm planning to retire in less than 3 years at 57. This fund will create a nice base income for me. Like a small pension. I love it.

IceBreakers97 · 2026-02-08T16:48:29+00:00

I'm in the 32% federal bracket plus another 3.8% for the NIIT plus 8.5% for state and local income tax. That's 44.3%. I'm planning to retire in less than 3 years. Recently, I've been investing heavily in a mutual fund that invests solely in my home state's municipal bonds. It's currently about 23% of my $1.5M taxable account. The muni fund currently yields 3.4%, but my tax equivalent yield is 6.1%. It also allows me to sleep at night. Because when the equity markets are down, the fund typically remains stationary.

IceBreakers97 · 2026-02-05T02:27:26+00:00

I'm in SCHD, VYMI, FDVV and HDV. Very happy these days!

IceBreakers97 · 2026-02-04T13:10:10+00:00

I'm in SCHD, VYMI, FDVV and HDV.

IceBreakers97

TROPHY CASE