10-Step Plan for an Optimal TSP Withdrawal Strategy

Managing your TSP and alternate investment options after retirement or separation from service.

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crondanet5
Posts: 4330
Joined: Tue Aug 19, 2008 8:51 pm

Re: 10-Step Plan for an Optimal TSP Withdrawal Strategy

Post by crondanet5 »

Winner take a look at VGR.

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Winner
Posts: 621
Joined: Wed Jan 06, 2010 10:40 am

Re: 10-Step Plan for an Optimal TSP Withdrawal Strategy

Post by Winner »

VGR is ok for around 5% dividend, but this is not for me to risk since no additional profit for me to sell CALL OPTION since it trade for only $.10 - $.15 "in the money."

Something like MAT since I don't mind with "Barbie" (2nd qtr 23% sales soared). For retirement account I'm looking for stock with dividend + collect on call option at least 5% or more per quarter and the most important it is good for long term if I decide to hang on if it is on the move.
“A brave man knows the circumstances and consequences of what he may encounter ahead…..but moves forward anyway.”

crondanet5
Posts: 4330
Joined: Tue Aug 19, 2008 8:51 pm

Re: 10-Step Plan for an Optimal TSP Withdrawal Strategy

Post by crondanet5 »

If you look at the 1 year chart of vgr the share price drops off a couple months before the dividend. That's when I buy it, and sell it the morning before the day of ex-dividend. I do not collect the dividend because the capital gain exceeds the dollar amount of the dividend. And if you are trading it in a taxable brokerage account, capital gains tax is less than the tax on dividends. Check out the 1 year chart.

andrewclif
Posts: 1
Joined: Thu Oct 24, 2019 2:43 am

Re: 10-Step Plan for an Optimal TSP Withdrawal Strategy

Post by andrewclif »

Thank you for sharing this with us.

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Fund Prices2025-07-14

FundPriceDayYTD
G $19.20 0.04% 2.39%
F $20.09 -0.03% 3.16%
C $99.72 0.14% 7.31%
S $94.32 0.80% 4.62%
I $49.62 -0.10% 18.43%
L2075 $10.08 0.14% 0.78%
L2070 $11.54 0.14% 10.76%
L2065 $19.47 0.14% 10.74%
L2060 $19.47 0.14% 10.74%
L2055 $19.47 0.14% 10.74%
L2050 $38.20 0.12% 9.46%
L2045 $17.31 0.11% 9.06%
L2040 $62.79 0.11% 8.66%
L2035 $16.45 0.10% 8.18%
L2030 $54.33 0.10% 7.69%
Linc $28.04 0.06% 4.85%

Live Charts

Pending Allocations

Under development. For now, you may view Pending Allocations by going to "fantasy TSP" and selecting "Leaderboard sort" of "Pending Allocations".