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How much cash do u keep on hand in ur 401k in event market goes to shiit? 75%/25% with 25%
Posted on 8/17/24 at 2:14 pm
Posted on 8/17/24 at 2:14 pm
In cash?
18
Posted on 8/17/24 at 2:16 pm to SuckerPunch
I'm about 30% cash for buying opportunities.
Posted on 8/17/24 at 2:26 pm to SuckerPunch
0%
you will always lose trying to time the market
you will always lose trying to time the market
Posted on 8/17/24 at 2:28 pm to DVinBR
quote:
0% you will always lose trying to time the market
I’ll concern myself with “market timing” by starting to move from 100% equity once I’m within a decade of retirement.
Not a day before.
This post was edited on 8/17/24 at 2:28 pm
Posted on 8/17/24 at 2:29 pm to SuckerPunch
Keep 3-6 months of living expenses in an Emergency Fund in case of emergency/loss of job/etc. Don't keep cash in your 401k. Stocks and bonds depending on expected retirement age and your risk tolerance.
Posted on 8/17/24 at 2:33 pm to AkronTiger
I have about 15% cash, but that’s funds that will likely be needed in the next 6 months for a protect, and money market account pays higher than my savings. If I don’t have anything on the horizon, I keep zero cash.
Posted on 8/17/24 at 2:51 pm to bigjoe1
quote:
I'm about 30% cash for buying opportunities
Posted on 8/17/24 at 2:51 pm to SuckerPunch
$0.
I do keep some cash in taxable brokerage now that the returns are decent.
I do keep some cash in taxable brokerage now that the returns are decent.
Posted on 8/17/24 at 2:51 pm to SuckerPunch
i've got some big lump sums right now in MMF after cashing out some other stocks..,
will keep DCA VOO
but if we get a big correction or crash i will throw it all in VOO.
will keep DCA VOO
but if we get a big correction or crash i will throw it all in VOO.
Posted on 8/17/24 at 2:54 pm to SuckerPunch
0
Unless you are a professional trader why would you try to time market?
Unless you are a professional trader why would you try to time market?
Posted on 8/17/24 at 3:07 pm to kaaj24
quote:
Unless you are a professional trader why would you try to time market?
Depends on where you are in life. If you’re in your 30s or 40s, you are right. If you are 60, that’s different.
Posted on 8/17/24 at 3:13 pm to kaaj24
quote:
Unless you are a professional trader why would you try to time market?
I know not addressed to me but, I keep some cash handy in the event you have a big down day, and there are some things worth buying.
For ex. a couple of weeks ago I bought a few things on the big break.
Posted on 8/17/24 at 4:16 pm to SuckerPunch
I keep 0% in cash in my 401k. Just keep following the plan day in and day out. Very effective
Posted on 8/17/24 at 4:18 pm to bigjoe1
quote:
I know not addressed to me but, I keep some cash handy in the event you have a big down day, and there are some things worth buying. For ex. a couple of weeks ago I bought a few things on the big break.
Except that the random big up days vastly outstrip the bad days.
Posted on 8/17/24 at 4:32 pm to SuckerPunch
0.0
Posted on 8/17/24 at 4:34 pm to SloaneRanger
Maybe for you or other investors but even in my 60s I’m not going to have money earmarked for investments held in cash (I’m excluding emergency fund cash as that is outside the scope of this conversation)
Posted on 8/17/24 at 4:39 pm to SuckerPunch
quote:
How much cash do u keep on hand in ur 401k in event market goes to shiit?
When I had a 401K, I kept 0% in cash or cash equivalents. Contributions went 100% into whatever my equity mutual fund allocations were.
In my IRAs, I keep about 10% in cash or cash equivalents, which I use to trade credit spreads, cash secured puts, etc. The goal is to have a roughly 10% annual return with those strategies, trading conservatively (<10 delta on the short option sides). Once the cash from that builds up well above that 10%, I’ll either buy something outright or sell a higher delta (>25 delta) cash secured put in hopes of getting assigned at a price I’m comfortable with.
Posted on 8/17/24 at 5:28 pm to SuckerPunch
No cash currently in 401k . About 20% cash currently in my regular Brokerage account. Keep a large amount of that in brokerage account because the bigger amount in there they pay me a percentage as an extra monthly dividend(Mutual fund) .
This post was edited on 8/17/24 at 5:48 pm
Posted on 8/17/24 at 5:32 pm to SuckerPunch
I manage my mom’s account. Once interest rates went above 5% and as she’s aged, I’ve gotten more conservative with her accounts.
I keep 5 years worth of RMD in cash in the IRA(CDs, money market, etc)
I keep 5 years worth of expenses in cash in her regular account.
She still has more than 50% in stock instruments.
For my own accounts, I’m very heavy on stocks, but I’m a generation younger so I have the timeline to absorb a big loss and recover.
I keep 5 years worth of RMD in cash in the IRA(CDs, money market, etc)
I keep 5 years worth of expenses in cash in her regular account.
She still has more than 50% in stock instruments.
For my own accounts, I’m very heavy on stocks, but I’m a generation younger so I have the timeline to absorb a big loss and recover.
Posted on 8/17/24 at 5:33 pm to SuckerPunch
I don't keep cash in my 401k. Just throw the fixed amount in each month.
I keep a large reserve fund due to experience (probably larger than most), and I pounce when the market tanks.
I keep a large reserve fund due to experience (probably larger than most), and I pounce when the market tanks.
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