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Cash Positions
Old 10-28-2011, 06:25 PM   #1
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Cash Positions

Since we have seen improvment in the market recently, I'm curious as to the percentage of cash being held by our esteemed group (especially for those already retired). Do count - savings, checking, money market, brokerage cash and under the mattress. Do not count cash being held in inside stock and bond mutual funds.

Right now I'm close to 10% - which is much higher than I need for living exepenses for the next 3-4 years, but I'm just not into buying more bonds now. Others?
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Old 10-28-2011, 06:39 PM   #2
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I have about a years worth of expenses in cash-equivalent stuff. I am also retired.
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Old 10-28-2011, 06:59 PM   #3
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I have no changes in mind. I am still working on getting my allocation to 60/40 stocks/bonds (maybe REITs also) via a dollar cost averaging appoach. But, since i will have about 4 years until SS kicks in I am keeping a stash of cash to cover that.
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Old 10-28-2011, 07:01 PM   #4
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I have about 9% in cash (checking/savings/money market), a few years worth of living expenses. I also have about 17% in CDs and iBonds.
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Old 10-28-2011, 07:13 PM   #5
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1.41% cash, counting checking/savings/money market. (I try to minimize cash.)
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Old 10-28-2011, 08:56 PM   #6
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13% cash. Several years expenses if I decide to retire.
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Old 10-28-2011, 09:09 PM   #7
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Less than 1%.
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Old 10-28-2011, 09:24 PM   #8
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100% cash which includes IRA CD and bank CD's. Zero in equities or bonds.
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Old 10-28-2011, 09:25 PM   #9
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Too much for many people's taste, but it lets us sleep at night knowing it's there.
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Old 10-28-2011, 09:38 PM   #10
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10%, and that includes my I-Bonds which I treat like CD's
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Old 10-28-2011, 09:57 PM   #11
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Too much for many people's taste, but it lets us sleep at night knowing it's there.
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Old 10-28-2011, 10:12 PM   #12
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Right at 10% since the market hasn't taken a giant dip yet. I did invest about 2.5% in the last dip. I'll invest more if we get a bigger dip, or spend it in a few years if we don't.
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Old 10-28-2011, 10:48 PM   #13
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+1
Add us to that camp. We are heavy in cash. It feels great each day not having to check the markets and knowing that no matter what you have what you started with the day before plus a bit more.

Of course it helps that we are able to get 5%+ on our cash in Australia.
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Old 10-28-2011, 11:23 PM   #14
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0.5%. No wait, today was payday, so 0.6% in cash. In other words, enough for around 1-2 months expenses.
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Old 10-29-2011, 12:18 AM   #15
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Old 10-29-2011, 12:42 AM   #16
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Old 10-29-2011, 01:52 AM   #17
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Right now I have only whatever is included in Target Retirement Income or other funds I hold, which according to portfolio Xray has generally been around 5% of the total. My target date is only a little over 18 months from now and I am thinking about changing my tax deferred contributions from adding more VTINX to Stable Value fund or some other cash-like choice. I had originally expected to be able to fill a cash "bucket" with some of the money from selling my house, but since real-estate prices have dropped so much, I don't expect to have any money left over after paying for a new residence in my retirement locale. With next year's increase to $17K in maximum contributions I could have around $25K by the time I retire, to make up the small difference between pension and expenses from then until SS eligibility.
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Old 10-29-2011, 03:23 AM   #18
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~ 40% cash, 40% equity, 20% fixed income
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Old 10-29-2011, 06:41 AM   #19
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At 8% cash now. In investment accounts only 3.9% in money markets. The return is so low there that I am keeping more in limited term munis that I might otherwise keep in the MMF.
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Old 10-29-2011, 06:50 AM   #20
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About 10%. Almost completely retired. This is about as high as my cash percentage ever gets.

I'm waiting for the next buying opportunity which will probably bring it down to around 7% again.

It bugs me to see money not working -- I'm the ER guy, not my cash!
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