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    What are people doing as far as cash positions? Are you fully invested? Raising cash, and if so how much (5%, 10%, 20%, more)?

    The buffet indicator (normally he sells at 120%) is now at 220%. Berkshire has $320 billion in cash and has been a net seller over the last 2 years. Should we all be raising cash for whatever correction is coming? Especially if you are 10 or less years from retirement.

    What are people doing as far as cash positions? Are you fully invested? Raising cash, and if so how much (5%, 10%, 20%, more)?
    byu/Dagobot78 ininvesting



    Posted by Dagobot78

    7 Comments

    1. 8yba8sgq on

      I’m not sure that structuring a personal retirement account the same as a corporation is a good idea. A person has a limited time horizon, a corporation does not. Holding cash for 5 years may be a poor decision.

    2. Acrobatic-Song-3151 on

      30% in various bonds, 2% in cash waiting for the midterm election year fireworks. The Vix keeps trending higher and it’s only a matter of time before it cracks 30 again. 

    3. squid_game_456 on

      15% in cash equivalent – CD, short term treasury, and money market funds… Increase cash holding this year in case of layoff

    4. burn_bridges on

      15% in short term bonds (rotating through in 3 month cycles currently, as of Q4 25). Another 5-10% in my HYSA as emergency fund that could be deployed at premium opportunities (highly unlikely). The rest is all staying the course in VT.

    5. Legitimate-Candy-268 on

      I keep 5% of portfolio in sgov and 10% in iaum the rest in growth (various sectors)

      The idea is on a downturn you can penance the portfolio by buying the dip from the sgov and iaum. The latter will stay stagnate or go up in a dip (rarely go slightly down)

      With dedillarizarion and multipolar world gold will go up to 27k per oz from the current 5k when the dollar is pegged back to the gold standard

    6. DaemonTargaryen2024 on

      All your *investible* money (so excluding your emergency fund) should be deployed in the market. Holding excess cash leads to underperformance.

      >The buffet indicator (normally he sells at 120%) is now at 220%. Berkshire has $320 billion in cash and has been a net seller over the last 2 years.

      Irrelevant if you aren’t a mega-corporation, or a 95 year old billionaire winding down your life affairs

      >Should we all be raising cash for whatever correction is coming?

      No

      >Especially if you are 10 or less years from retirement.

      If you’re <10 years from retirement you shouldn’t be 100% stocks. Add bonds.

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