re: What % of your portfolio is cash?

The market only goes up a few more days than it goes down, even in good years. It is important to be in on those days. Through the first week of November last year, there were only 11 more up days than down days last year (113 up, 102 down), but the S&P 500 was higher by 14% year to date.

But, with 5.5% guaranteed returns, the risk of potential losses is outweighed for many. You can almost beat inflation with no risk, so large amounts of cash right now is pretty typical for conservative investors looking for an entry point.

I have less than 2% in cash.