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View Poll Results: What percent is cash of your invested assets & cash?
Less than 0.5% including negative cash 10 5.56%
Less than 1.0% 5 2.78%
Less than 2.5% 13 7.22%
Less than 5.0% 23 12.78%
Less than 10.0% 46 25.56%
Less than 20.0% 42 23.33%
Less than 50.0% 23 12.78%
50.0% or more 17 9.44%
Something else, but I wanted to answer anyways 1 0.56%
Voters: 180. You may not vote on this poll

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Old 11-26-2016, 12:20 PM   #21
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This must be the season for asking about ca$h. Seems like this is the 3rd or fourth thread about this.

OK, OK, I'm about 10% so I checked off "less than 10%".
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Old 11-26-2016, 12:30 PM   #22
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This must be the season for asking about ca$h. Seems like this is the 3rd or fourth thread about this.
Yeah - does that mean we have to give the same answer in each thread, or can we give different answers just to spice things up a little - you know, add a little variety to life?
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Old 11-26-2016, 12:52 PM   #23
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The other poll has about double the people in the 50% or more category.

I think the explanation is not that they are faking it, but that the other poll is cash versus net worth and anybody with a negative net worth and any cash at all would have to vote in the 50+% category. That might be all new homeowners and all Millennials with student loans.
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Old 11-26-2016, 02:09 PM   #24
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So I feel sort of silly sitting on 15% of my portfolio in cash. I'm stuck with not knowing where to invest it. Equities at all time highs, interest rates on the rise ... analysis paralysis. Part of my solution was to satisfy 2-ft-itis and trade in my 16 ft boat for a 19 ft model (as an overachiever I added 3 ft instead of the usual 2 !). Still stuck trying to pull the trigger on investing half of what's left.
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Old 11-26-2016, 04:58 PM   #25
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This was a very well constructed poll, and interesting results.

So far ~27% of respondents have less that 5% in cash (with a little over half of those having less than 2.5% in cash). Another ~26% have 5 to 10% in cash, and another ~23% have 10 to 20% in cash. That's just over 75% of respondents with less than 20% in cash.
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Old 11-26-2016, 05:42 PM   #26
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I'd have less in cash if it wasn't for the PenFed 3% CDs. I'm around an 88/12 allocation with about half of that 12 in CDs and a couple percent more in high-yield savings. My bond exposure is low, mostly because I'm still accumulating.
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Old 11-26-2016, 09:06 PM   #27
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Just because something is liquid does not make it cash. For instance, older high yield Ibonds are cashable but who would cash them when they are excellent long term holds? So for me, they are not cash and represent 7% of the portfolio...
I did not know about I-bonds back in 2000, and even if I knew, might not be smart enough to realize that a guaranteed 3.5% above inflation was a godsend.

Those original I-bonds are an asset class by themselves. Not stinkin' bond, not stinkin' cash. They are better than gold. There's nothing to compare them to. And I do not have those.
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Old 11-27-2016, 05:44 AM   #28
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Also, I-bonds in euro. As far as I know, there ain't no such animal?

So what are my alternatives .. only CDs as far as I can tell. Even those only yield 1.3% right now at 5 years.
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Old 11-27-2016, 06:27 AM   #29
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16% right now. However, my goal is to keep a fixed amount of (emergency) cash, while investing any money I have beyond that. It just happens to be 16% of the total portfolio today.


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Old 11-27-2016, 07:44 AM   #30
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Perhaps another poll is needed to ask if folks include all this cash in their portfolio performance numbers.

With only 25% of respondents having less than 5% in cash I believe the YTD performance numbers in other threads even less.
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Old 11-27-2016, 08:03 AM   #31
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Perhaps another poll is needed to ask if folks include all this cash in their portfolio performance numbers.

With only 25% of respondents having less than 5% in cash I believe the YTD performance numbers in other threads even less.
Not sure why not. The high percentage in cash might be recent, and it also might be a reallocation from low yielding fixed income.
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Old 11-27-2016, 03:10 PM   #32
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I'm thinking about constructing a poll regarding how many pennies you have in your pocket right now, however I don't have the time to invest in that project at this time.


Stay tuned.
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Old 11-27-2016, 03:21 PM   #33
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I'm thinking about constructing a poll regarding how many pennies you have in your pocket right now...
Please specify which pocket.
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Old 11-27-2016, 03:25 PM   #34
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Please specify which pocket.
You gonna do a spinoff poll?
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Old 11-27-2016, 03:29 PM   #35
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Please specify which pocket.
Both my pockets are empty. Oh well.

Maybe this fact will qualify me for some kind of consolation prize.


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Old 11-27-2016, 03:47 PM   #36
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I've completely eliminated coins. What I do get goes to Salvation Army guys around this time of year.

Now feeling wild and free!
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Old 11-27-2016, 04:24 PM   #37
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I've completely eliminated coins. What I do get goes to Salvation Army guys around this time of year.

Now feeling wild and free!
Same here. I put them in various bowls that my DW mines occasionally. Coins are a pain. In Canada we have $1 and $2 dollar coins though. Hard to ignore these entirely.
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Old 11-27-2016, 04:28 PM   #38
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Mine is 8%-9%. I am glad my number is not way off in the poll.
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Old 11-27-2016, 04:35 PM   #39
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Perhaps another poll is needed to ask if folks include all this cash in their portfolio performance numbers.

With only 25% of respondents having less than 5% in cash I believe the YTD performance numbers in other threads even less.
I don't even look at performance threads anymore. All I look at now days for comparison are stock/bond index's.
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Old 11-27-2016, 05:17 PM   #40
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Answered <20% but I included the 60k I have on loan to a couple of my kids. We will get 2/3's of that back at the end of next week and then it will get invested in non-cash so my % will drop a bit if I answered next week.
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