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01-28-2016, 05:51 PM
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#21
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,140
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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!
__________________
Retired since summer 1999.
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01-28-2016, 05:53 PM
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#22
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Full time employment: Posting here.
Join Date: Aug 2015
Posts: 550
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38% but may drop it to 35% soon.
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01-28-2016, 06:08 PM
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#23
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Recycles dryer sheets
Join Date: May 2013
Posts: 124
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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.
__________________
RE'd August 2013 at age 44...loving life! DW RE'd September 2015...both loving the FIRE'd life in paradise.
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01-28-2016, 06:14 PM
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#24
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Full time employment: Posting here.
Join Date: Apr 2006
Posts: 880
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About 12% cash which may increase a bit when we hopefully sell our former primary house this Spring.
Sent from my iPhone using Early Retirement Forum
__________________
"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver
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01-28-2016, 06:52 PM
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#25
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Recycles dryer sheets
Join Date: Aug 2013
Posts: 484
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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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01-28-2016, 09:46 PM
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#26
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Dryer sheet aficionado
Join Date: Dec 2012
Location: marys ille
Posts: 40
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About 12%
Sent from my iPhone using Early Retirement Forum
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01-28-2016, 10:52 PM
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#27
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Thinks s/he gets paid by the post
Join Date: Mar 2014
Location: Southern Cal
Posts: 4,032
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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.
Sent from my iPad using Early Retirement Forum
__________________
Just another day in paradise
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01-28-2016, 11:13 PM
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#28
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Posts: 2,395
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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.
__________________
-- Telly, the D-I-Y guy --
Two fools dancing on the hands of time
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01-28-2016, 11:36 PM
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#29
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2009
Posts: 5,308
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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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01-28-2016, 11:45 PM
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#30
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Thinks s/he gets paid by the post
Join Date: May 2014
Location: Utrecht
Posts: 2,650
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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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01-29-2016, 05:18 AM
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#31
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Posts: 2,232
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is anyone here considering bonds, or bond funds "cash"?
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01-29-2016, 05:37 AM
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#32
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Thinks s/he gets paid by the post
Join Date: Jan 2014
Location: Bloomington, MN
Posts: 1,157
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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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01-29-2016, 05:38 AM
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#33
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Recycles dryer sheets
Join Date: Nov 2013
Posts: 475
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6% cash and 35% bonds
Sent from my iPad using Tapatalk
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01-29-2016, 05:58 AM
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#34
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,140
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 Quote:
Originally Posted by HadEnuff
is anyone here considering bonds, or bond funds "cash"?
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No
__________________
Retired since summer 1999.
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01-29-2016, 06:32 AM
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#35
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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Quote:
Originally Posted by HadEnuff
is anyone here considering bonds, or bond funds "cash"?
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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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01-29-2016, 06:55 AM
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#36
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 9,071
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Quote:
Originally Posted by Totoro
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.
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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%.
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
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01-29-2016, 07:03 AM
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#37
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Thinks s/he gets paid by the post
Join Date: Jan 2014
Posts: 1,181
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72% (High Yield Savings Account, CDs, I-Bonds, Stable Value Fund)
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01-29-2016, 07:07 AM
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#38
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 847
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Less than 1% cash.
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01-29-2016, 07:12 AM
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#39
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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Quote:
Originally Posted by HadEnuff
is anyone here considering bonds, or bond funds "cash"?
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Not me. I am counting nothing but actual currency in checking, savings, or MM accounts.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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01-29-2016, 07:16 AM
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#40
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Quote:
Originally Posted by HadEnuff
is anyone here considering bonds, or bond funds "cash"?
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Bonds are bonds, bond funds are bonds, cash is cash, and numbers is hard.
__________________
Numbers is hard
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