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Message
What % of your portfolio is cash?
Posted on 1/3/24 at 11:34 pm
Posted on 1/3/24 at 11:34 pm
30% is now in cash. It was 100% in the market. Decided last week to sell off some investments that I didn’t love to deploy elsewhere if the market shifts down, I’m fairly bullish but it was banging and took some profit.
20
Posted on 1/4/24 at 12:38 am to Billy Blanks
30%+ …
Considering I’m getting a safe 5.5% in money market, I’m leaning toward sitting out election year…
Considering I’m getting a safe 5.5% in money market, I’m leaning toward sitting out election year…
Posted on 1/4/24 at 5:25 am to Billy Blanks
40% cash
Took some profits 2 weeks ago.
Should have sold it all
Took some profits 2 weeks ago.
Should have sold it all
Posted on 1/4/24 at 5:51 am to Billy Blanks
Less than yesterday. Buying on down days, what a novel idea.
Posted on 1/4/24 at 8:06 am to CHGAR
50% but I have to keep x amount of cash on hand for bank covenants. My company is loan dependent. It’s also an S Corp so we can’t retain earnings within the company.
Posted on 1/4/24 at 8:12 am to Billy Blanks
quote:
30% is now in cash.
So if you have $1 mil in investments you have 300,000 in cash?
Posted on 1/4/24 at 8:16 am to Billy Blanks
About 0.3%
Posted on 1/4/24 at 8:27 am to PhiTiger1764
about 13%
Posted on 1/4/24 at 8:49 am to Billy Blanks
Outside of my emergency fund?
0%
0%
Posted on 1/4/24 at 9:06 am to XenScott
quote:
It’s also an S Corp so we can’t retain earnings within the company.
Huh? You can certainly retain earnings in an S Corp. Profits must be allocated to shareholders for tax purposes but whether they're retained, distributed or both doesn't matter.
Posted on 1/4/24 at 9:16 am to HailToTheChiz
Only have 60k in cash. The rest invested.
Own rentals as well.
Own rentals as well.
Posted on 1/4/24 at 9:24 am to Billy Blanks
Almost none. I have almost all of my dividends automatically reinvested.
Posted on 1/4/24 at 9:29 am to SwampCollie
quote:
It’s also an S Corp so we can’t retain earnings within the company. Huh? You can certainly retain earnings in an S Corp. Profits must be allocated to shareholders for tax purposes but whether they're retained, distributed or both doesn't matter.
Let me rephrase. We don’t retain cash in the Corp for tax purposes. The banks allow the principals of the company to use personal financials for credit purposes. (We have to sign personal guarantees anyway.)
Posted on 1/4/24 at 10:02 am to Billy Blanks
About 20%
Posted on 1/4/24 at 10:28 am to Klondikekajun
quote:
30%+ … Considering I’m getting a safe 5.5% in money market, I’m leaning toward sitting out election year…
Do as you see fit, but since WWII there have only been 2 down election years out of 20. Historically election years are up more than any other year of a presidential cycle.
Posted on 1/4/24 at 10:39 am to Billy Blanks
Maybe 15% of my portfolio is in cash? Any leftover money that we might have after bills and retirement is going into a high-yield savings account at the moment. But that cash is earmarked for emergency fund, buying a new car, vacation, and a few other upcoming planned purchases.
Call me lazy, but I'm still pushing investment money into total stock market mutual funds and not really doing much reallocation anymore. My line of thinking is if the money lands in an investment account, there isn't any intent to touch it for at least 5-years (15-25 years if its retirement focused).
Call me lazy, but I'm still pushing investment money into total stock market mutual funds and not really doing much reallocation anymore. My line of thinking is if the money lands in an investment account, there isn't any intent to touch it for at least 5-years (15-25 years if its retirement focused).
Posted on 1/4/24 at 11:05 am to Billy Blanks
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.
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.
This post was edited on 1/4/24 at 9:52 pm
Posted on 1/4/24 at 11:24 am to Billy Blanks
Posted on 1/4/24 at 11:27 am to Fat Bastard
25%.
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