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What percentage of my total liquid assets should be in cash right now?
Posted on 3/8/13 at 9:18 am
Posted on 3/8/13 at 9:18 am
I am in my mid-thirties. For round numbers, use a total figure of $500k.
5
Posted on 3/8/13 at 9:39 am to baybeefeetz
I have about 24% of my $ in cash currently...not my standard practice but just where I am...usually the only ready cash I've had on hand is my checking account.
Posted on 3/8/13 at 9:44 am to baybeefeetz
I noticed the other day a well-respected poster here said he was 70% cash. So using your figure, about $350k cash.
Granted, I do not believe he is in his mid-thirties. I am not sure how that would skew the numbers.
ETA: This thread may help
Granted, I do not believe he is in his mid-thirties. I am not sure how that would skew the numbers.
ETA: This thread may help
This post was edited on 3/8/13 at 9:46 am
Posted on 3/8/13 at 10:07 am to baybeefeetz
Other than for my everyday checking account needs I have $0 in cash.
However, I have a very wide-ranging mix of investments, a downturn in US equities shouldn't hurt all that much. And yes, I've been careful to invest in areas that tend to have low covariance in returns. For example, although I do have some non-US equity assets I deliberately picked a non-dollar hedged version to reduce the covariance with US equities and introduce foreign currency risk without actually getting into the forex market myself. The fund can do that less expensively than I can.
However, I have a very wide-ranging mix of investments, a downturn in US equities shouldn't hurt all that much. And yes, I've been careful to invest in areas that tend to have low covariance in returns. For example, although I do have some non-US equity assets I deliberately picked a non-dollar hedged version to reduce the covariance with US equities and introduce foreign currency risk without actually getting into the forex market myself. The fund can do that less expensively than I can.
Posted on 3/8/13 at 1:10 pm to baybeefeetz
I'm 35 and of the buy and hold mentality. I believe that cash is a depreciating asset if not invested. I didnt change my positions at all and kept buying during the decline. I am now as I was then only about 5% in Bonds/Cash.
This post was edited on 3/8/13 at 1:11 pm
Posted on 3/8/13 at 3:18 pm to baybeefeetz
I have...
45% in stocks that I manage myself.
35% in a mutual fund with a manager.
20% in cash.
The only bonds are within the mutual fund mix.
I have no idea if this is a wise combination. It's just what I do.
45% in stocks that I manage myself.
35% in a mutual fund with a manager.
20% in cash.
The only bonds are within the mutual fund mix.
I have no idea if this is a wise combination. It's just what I do.
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