Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 10-29-2011, 07:28 AM   #21
Recycles dryer sheets
 
Join Date: Oct 2010
Posts: 51
100% currently, earning > 6% fixed, government guaranteed (in Australia).
__________________

__________________
Sparkie67 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 10-29-2011, 07:42 AM   #22
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
donheff's Avatar
 
Join Date: Feb 2006
Location: Washington, DC
Posts: 8,643
I only have about 1.5% in real cash (MMF). But I have about 14% more in the TSP G Fund which pays mid term treasury rates but is as safe as cash on the down side.
__________________

__________________
Every man is, or hopes to be, an Idler. -- Samuel Johnson
donheff is offline   Reply With Quote
Old 10-29-2011, 08:35 AM   #23
Recycles dryer sheets
justplainbll's Avatar
 
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
Quote:
Originally Posted by Sparkie67 View Post
100% currently, earning > 6% fixed, government guaranteed (in Australia).
Sounds good. In the past 5 years the AUD has appreciated nearly 40% vs. the USD.
What's your inflation rate?
__________________
justplainbll is offline   Reply With Quote
Old 10-29-2011, 09:38 AM   #24
gone traveling
 
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
Quote:
Originally Posted by Bestwifeever View Post
Too much for many people's taste, but it lets us sleep at night knowing it's there.
I would agree, being more than a bit conserative.

As for me (retired for a few years)? I'm currently holding at the "minimum" at 3 years of income (includes taxes due). Of course, in a bit over two years I'll be able to claim against my DW's SS at 50%, which extends that spend rate.

As far as DW? We set her (gross) cash at 3-4 years of income (includes taxes). However, she changed her mind and still continues to be employed today, at just over two years till her FRA SS.

Assuming DW retires tomorrow, she's at more than 5 years in gross cash. If she decides to retire at FRA (which is possible), she will have (with two small pensions that will kick in in about 1.5 years) at close to 18 years of gross cash. And heck, that dosen't even consider her collecting my SS (which as a benefit, is much higher than her FRA SS)....

Since the OP asked....
__________________
rescueme is offline   Reply With Quote
Old 10-29-2011, 09:39 AM   #25
Recycles dryer sheets
ikubak's Avatar
 
Join Date: Dec 2007
Posts: 391
One two years of living expenses in cash or cash equivalents....still working
__________________
Retire date Jan. 10, 2018
ikubak is offline   Reply With Quote
Old 10-29-2011, 09:56 AM   #26
Thinks s/he gets paid by the post
kyounge1956's Avatar
 
Join Date: Sep 2008
Posts: 2,171
Quote:
Originally Posted by justplainbll View Post
Quote:
Originally Posted by Sparkie67 View Post
100% currently, earning > 6% fixed, government guaranteed (in Australia).
Sounds good. In the past 5 years the AUD has appreciated nearly 40% vs. the USD.
What's your inflation rate?
Indeed it does! What pays 6%, short term government bonds? Must one be an Australian citizen to buy them?
__________________
kyounge1956 is offline   Reply With Quote
Old 10-29-2011, 10:41 AM   #27
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 867
10.7 and languishing in an online account making 1%. Losing money essentially due to inflation. I guess some people need their chicken money.
__________________
ripper1 is offline   Reply With Quote
Old 10-29-2011, 10:53 AM   #28
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,887
Quote:
Originally Posted by ripper1 View Post
10.7 and languishing in an online account making 1%. Losing money essentially due to inflation. I guess some people need their chicken money.
Sure beats selling low to pay for living expenses when the market dives.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is online now   Reply With Quote
Old 10-29-2011, 11:05 AM   #29
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 867
I heard that, W2R. By the way have you taken off your crash helmet.
__________________
ripper1 is offline   Reply With Quote
Old 10-29-2011, 11:07 AM   #30
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,887
Quote:
Originally Posted by ripper1 View Post
I heard that, W2R. By the way have you taken off your crash helmet.
Never! I'm a belt-and-suspenders kind of gal...
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is online now   Reply With Quote
Old 10-29-2011, 11:11 AM   #31
Recycles dryer sheets
 
Join Date: Jan 2011
Location: Marietta
Posts: 117
Moved to 40% cash on Thursday. Sold all my bonds as the market was down 15% from recient highs. Looking for oportunity to buy bonds on the dips.
__________________
Give me a surfboard and a hammock, some fresh fruit and veg, a fish or two and I am happy for life. I don't need much of a roof over my head to be happy.
RetirementColdHardTruth is offline   Reply With Quote
Old 10-29-2011, 01:01 PM   #32
Recycles dryer sheets
 
Join Date: Oct 2011
Posts: 405
In addition to a 1 year emergency fund, I keep about $15K of working cash, and about 3-5% in my investment portfolio in cash. I use the 3-5% to buy on dips, so that occassionally goes down to zero.

I'm not retired at all. Not YET anyway ;-)
__________________
Closet_Gamer is offline   Reply With Quote
Old 10-29-2011, 01:10 PM   #33
Thinks s/he gets paid by the post
DFW_M5's Avatar
 
Join Date: Sep 2003
Posts: 4,982
My target allocation is 10%, but right now sitting at 46%. I'm still concerned about the lack of jobs, depressed real estate market, european mess, huge deficit and a gov't that can't agree on anything.
__________________
DFW_M5 is offline   Reply With Quote
Old 10-29-2011, 04:05 PM   #34
Thinks s/he gets paid by the post
grasshopper's Avatar
 
Join Date: Oct 2010
Posts: 1,670
Retired I am at 1%, but ready to pull the plug on another year of expenses out of a short term investment grade fund.
__________________
grasshopper is offline   Reply With Quote
Old 10-29-2011, 07:07 PM   #35
Recycles dryer sheets
JmfromTx's Avatar
 
Join Date: Nov 2010
Location: Houston/Galveston area
Posts: 163
Ample cash, MM, and short term bonds in taxable to take me to SS at 62. I made my bed conservatively when I retired and I'm very comfortable sleeping in it.
__________________
Retired 3/1/2011
JmfromTx is offline   Reply With Quote
Old 10-29-2011, 11:38 PM   #36
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,428
6.3% in cash, ~1.67 years of expenses.
__________________
pb4uski is offline   Reply With Quote
Old 10-30-2011, 05:35 AM   #37
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
Same for me. Zero in equities. About 3% in municipal bonds. That leaves about 97% in cash, CDs, or equivalent. No annuities (yet). Not retired yet, but retiring next year, age 47, with annual withdrawal target between 60k and 100k x 50 years.
Quote:
Originally Posted by JOHNNIE36 View Post
100% cash which includes IRA CD and bank CD's. Zero in equities or bonds.
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 10-30-2011, 09:18 AM   #38
Thinks s/he gets paid by the post
GregLee's Avatar
 
Join Date: Oct 2010
Location: Waimanalo, HI
Posts: 1,881
So, to summarize the investment experience and expertise of this group, you want to hold from zero to 100% in cash.
__________________
Greg (retired in 2010 at age 68, state pension)
GregLee is offline   Reply With Quote
Old 10-30-2011, 09:21 AM   #39
Recycles dryer sheets
justplainbll's Avatar
 
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
Quote:
Originally Posted by greglee View Post
so, to summarize the investment experience and expertise of this group, you want to hold from zero to 100% in cash.
aka 50% ?
__________________
justplainbll is offline   Reply With Quote
Old 10-30-2011, 09:56 AM   #40
Thinks s/he gets paid by the post
GregLee's Avatar
 
Join Date: Oct 2010
Location: Waimanalo, HI
Posts: 1,881
Quote:
Originally Posted by justplainbll View Post
aka 50% ?
No, I mean to be saying that we're all over the map on this issue. There is no agreement.
__________________

__________________
Greg (retired in 2010 at age 68, state pension)
GregLee is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Income from cash...where to invest? tightasadrum FIRE and Money 60 10-26-2011 02:06 PM
Best place to store Cash besides the higher interest? ER Man FIRE and Money 40 10-04-2011 06:43 AM
End of FIA Visa and 2% Cash Back SteveL FIRE and Money 39 09-30-2011 08:14 PM
Managing Cash & Roth Conversions (Separate Topics) Midpack FIRE and Money 11 07-28-2011 10:20 AM
Bond Fund Mgrs increasing cash DFW_M5 FIRE and Money 4 07-23-2011 05:40 PM

 

 
All times are GMT -6. The time now is 07:21 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.