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View Poll Results: What percent is cash of your invested assets & cash?
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Less than 0.5% including negative cash
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10 |
5.56% |
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Less than 1.0%
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5 |
2.78% |
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Less than 2.5%
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13 |
7.22% |
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Less than 5.0%
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23 |
12.78% |
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Less than 10.0%
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46 |
25.56% |
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Less than 20.0%
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42 |
23.33% |
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Less than 50.0%
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23 |
12.78% |
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50.0% or more
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17 |
9.44% |
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Something else, but I wanted to answer anyways
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1 |
0.56% |
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11-26-2016, 11:20 AM
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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: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,674
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This must be the season for asking about ca$h. Seems like this is the 3rd or fourth thread about this.
OK, OK, I'm about 10% so I checked off "less than 10%".
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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11-26-2016, 11:30 AM
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#22
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,726
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 Quote:
Originally Posted by mickeyd
This must be the season for asking about ca$h. Seems like this is the 3rd or fourth thread about this.
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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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11-26-2016, 11:52 AM
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#23
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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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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11-26-2016, 01:09 PM
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#24
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Location: Tampa Bay Area
Posts: 1,866
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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.
__________________
"For the time being no discipline brings joy, but seems grievous and painful; but afterwards it yields a peaceable fruit of righteousness to those who have been trained by it." ~
Hebrews 12:11
ER'd in June 2015 at age 52. Initial WR 3%. 50/40/10 (Equity/Bond/Short Term) AA.
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11-26-2016, 03:58 PM
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#25
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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: 38,153
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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.
__________________
Retired since summer 1999.
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11-26-2016, 04:42 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Aug 2007
Posts: 2,874
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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.
__________________
Eat, Drink and Be Merry.
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11-26-2016, 08:06 PM
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#27
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jul 2008
Posts: 35,712
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Quote:
Originally Posted by Lsbcal
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...
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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.
__________________
"Old age is the most unexpected of all things that happen to a man" -- Leon Trotsky (1879-1940)
"Those Who Can Make You Believe Absurdities Can Make You Commit Atrocities" - Voltaire (1694-1778)
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11-27-2016, 04:44 AM
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#28
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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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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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11-27-2016, 05:27 AM
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#29
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Recycles dryer sheets
Join Date: Aug 2013
Location: Norcal, Silly-Con Valley
Posts: 249
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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.
Sent from my iPad using Early Retirement Forum
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11-27-2016, 06:44 AM
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#30
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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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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11-27-2016, 07:03 AM
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#31
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,726
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Quote:
Originally Posted by LOL!
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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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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11-27-2016, 02:10 PM
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#32
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,674
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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.
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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11-27-2016, 02:21 PM
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#33
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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: 50,022
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Quote:
Originally Posted by mickeyd
I'm thinking about constructing a poll regarding how many pennies you have in your pocket right now...
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Please specify which pocket.
__________________
Numbers is hard
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11-27-2016, 02:25 PM
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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: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,674
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Quote:
Originally Posted by REWahoo
Please specify which pocket.
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You gonna do a spinoff poll?
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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11-27-2016, 02:29 PM
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#35
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,501
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Quote:
Originally Posted by REWahoo
Please specify which pocket.
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Both my pockets are empty. Oh well.
Maybe this fact will qualify me for some kind of consolation prize. 
__________________
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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11-27-2016, 02:47 PM
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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: May 2006
Location: west coast, hi there!
Posts: 8,809
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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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11-27-2016, 03:24 PM
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#37
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Thinks s/he gets paid by the post
Join Date: Dec 2009
Location: Alberta/Ontario/ Arizona
Posts: 3,393
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Quote:
Originally Posted by Lsbcal
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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11-27-2016, 03:28 PM
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#38
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2008
Posts: 5,214
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Mine is 8%-9%. I am glad my number is not way off in the poll.
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11-27-2016, 03:35 PM
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#39
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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: 9,072
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Quote:
Originally Posted by LOL!
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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I don't even look at performance threads anymore. All I look at now days for comparison are stock/bond index's.
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
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11-27-2016, 04:17 PM
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#40
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Thinks s/he gets paid by the post
Join Date: Apr 2013
Location: Gosport, IN
Posts: 1,218
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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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