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Old 07-14-2013, 09:17 AM   #41
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Ok but why have 30% cash, unless you have a boat load of Penfed 5% 10 year CDs?
Most of the cash will be allocated to equity and short-terms municipal bond funds since we have no short-term need for the cash to fund our expenses. Our current AA is 40/30/30 (equity/fixed-income/cash) while the target AA is 55/40/5.
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Old 07-14-2013, 01:23 PM   #42
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Ok but why have 30% cash, unless you have a boat load of Penfed 5% 10 year CDs?
+1 (that was a gift for some that we're nimble enough to slip in)!
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Old 07-18-2013, 08:15 PM   #43
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We're still in accumulation phase so cash is a fixed amount for emergency fund, not a percentage of portfolio. Not that there is anything wrong with having a cash as a percentage when not retired, I just don't see what it gets us since we can work as long as needed so don't fear much in terms of timing of withdrawal relative to cash available.
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Old 07-18-2013, 08:47 PM   #44
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No, never really beat myself up over missed gains V.S actual losses.
30%-50% losses hurt much more than missing a temp. 10%-20% run.
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