re: What % of your portfolio do you leave in cash?

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Most of the data supports dollar cost averaging.

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I would still be dollar cost averaging as i take an amount every month and invest it. It’s just should I have 100% in the market at all times or have like 5-10% in cash to throw in when the market has taken a hit.

Basically thinking about a system where I’m 2% cash when I feel the market is down and 5-10% when I think the market is up. But wanted other thoughts on it as I do know the general idea is just DCA.

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Sure there are situations (initial COVID time) where the market crashes, but those are few and far between. Also, at that point, what makes you think you are going to buy? You’ll likely still be waiting on the bottom as it makes its run up.

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What makes me think that is I was sitting there during the down periods wishing I had cash in the side to throw in. Now obviously that’s a little biased saying that now but I don’t think I’m a guy that worries about finding the compete bottom. If I throw money in the market and it keeps going down, sure I beat myself up a little bit but I keep it in at that point knowing it will come back up.

Basically comes from regret back in Fall of 2021, when you know the market is up and don’t sell anything and keep DCAing because that’s the hard rule.

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I personally don’t see any advantage of keeping money in your investment account purely on waiting on opportunity.

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Appreciate the input

Still considering staying 100% invested but toying with my idea.