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Old 01-28-2016, 06:51 PM   #21
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I allocate 5% of my retirement portfolio to cash, and 5% to short-term high quality bonds.

Outside of the retirement portfolio, over the past few years, we have built up quite a cash stash - about 4 years of after-tax expenses, which is another 8% compared to the portfolio at the start of this year. Times like these it feels good to have extra cash laying about just earning 1% to 1.5% when compared to the portfolio which is down 4.3% year-to-date.

Cash might not beat inflation, but it sure beats losses!!!

Cash is Trash, until Cash is King!
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Old 01-28-2016, 06:53 PM   #22
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38% but may drop it to 35% soon.
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Old 01-28-2016, 07:08 PM   #23
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Currently at 28.77% in cash and CDs (CD ladder)...but anticipating systematically moving towards purchasing more equities to arrive at our desired AA, with 70% in equities.
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Old 01-28-2016, 07:14 PM   #24
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About 12% cash which may increase a bit when we hopefully sell our former primary house this Spring.


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Old 01-28-2016, 07:52 PM   #25
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Enough readily available funds in cash, CD's, & PRU Guaranteed Income Fund to cover withdrawals at current expenses + 3% inflation for a bit more than 5 years. Add in interest & dividends between now & then, probably another year or two, which would be into FRA territory for both of us - at that point, if Bernicke theory comes into play we may never need to touch the remaining principal. Except for those pesky RMDs of course.
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Old 01-28-2016, 10:46 PM   #26
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About 12%


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Old 01-28-2016, 11:52 PM   #27
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Between 50-70%, but has started nibbling a little bit recently. I moved out to cash because I thought I was going to transfer to Vanguard. But now I'm only thinking of transferring only my account and leave my husband's account alone.


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Old 01-29-2016, 12:13 AM   #28
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Around 3.5%. Living expenses met by DW's salary + my little pension + DIVs as cash from some of our taxable accounts.
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Old 01-29-2016, 12:36 AM   #29
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About 24% which includes amounts in current checking/savings and doesn't include the not huge amount that is in a short term bond fund.

A goodly amount of it will be spent this year as this is the last year we will be supporting two of our kids and paying college tuition. So, I set aside this money awhile ago to cover this year in the case the market was down and I didn't want to take from equities. I would actually prefer to not use all of this during this year and would take money out in a more balanced fashion, but that will depend on what happens.

After this year I don't see us ever having this amount of cash again.
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Old 01-29-2016, 12:45 AM   #30
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Depending how you define cash between 25% to 50% roughly. Have quite a bit parked in CDs which I can stop at any point with a small penalty.

If stock market dips further or holds at current level will decrease cash position substantially somewhere before summer
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Old 01-29-2016, 06:18 AM   #31
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is anyone here considering bonds, or bond funds "cash"?
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Old 01-29-2016, 06:37 AM   #32
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About 50% cash parked in an interest income fund, paying 2%, while I ponder moving to a different brokerage.
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Old 01-29-2016, 06:38 AM   #33
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6% cash and 35% bonds


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Old 01-29-2016, 06:58 AM   #34
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Quote:
Originally Posted by HadEnuff View Post
is anyone here considering bonds, or bond funds "cash"?
No
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Old 01-29-2016, 07:32 AM   #35
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Quote:
Originally Posted by HadEnuff View Post
is anyone here considering bonds, or bond funds "cash"?
I consider cash to be savings account, CDs, money market, and stable value funds.

Looking at the reply's, I was thinking I was one of a few outliers holding a large cash position, but am surprised that so many also have large cash reserves. Any how, at todays inflation rate and low interest environment, it doesn't pain me too much to be holding such a high position.
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Old 01-29-2016, 07:55 AM   #36
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Quote:
Originally Posted by Totoro View Post
Depending how you define cash between 25% to 50% roughly. Have quite a bit parked in CDs which I can stop at any point with a small penalty.
I consider cash my checking acct, MM and cd's maturing within a year. Based on that I have roughly 30% in cash. If I consider all CD's, probably closer to 70%.
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Old 01-29-2016, 08:03 AM   #37
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Old 01-29-2016, 08:07 AM   #38
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Less than 1% cash.
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Old 01-29-2016, 08:12 AM   #39
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Quote:
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is anyone here considering bonds, or bond funds "cash"?
Not me. I am counting nothing but actual currency in checking, savings, or MM accounts.
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Old 01-29-2016, 08:16 AM   #40
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Quote:
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is anyone here considering bonds, or bond funds "cash"?
Bonds are bonds, bond funds are bonds, cash is cash, and numbers is hard.
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