net worth
What percentage of cash vs investments do you have? Interested in seeing datapoints.
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2% of assets and 3% of net worth
Based on the most helpful WSO content, here are some examples of cash vs. investment allocations shared by users:
These allocations vary based on individual goals, market conditions, and risk tolerance. Let me know if you'd like further insights!
Sources: January 2016 Data Update 7: Dividends, Potential Dividends and Cash Balances, Multimillionaire and retired by 30 Q&A, How much do you put into your 401k?, Diminutive Nature of Net Returns, Multimillionaire and retired by 30 Q&A
Most of my net worth is in cash right now.
80% cash, 20% invested
any reason why?
I'm a senior in college and think the market is overvalued right now. Also, I'm trying to rack up a good amount for savings right now. My parents were bad at that and I don't want to be in that position. And personally investing anything under like $5,000 for me seems like a waste. I also have a lot of things I want to invest my money that include personal growth. It's good to have enough money for anything I might need at any time right now since I'm not grounded and have a family.
were you also 80% cash last 2 years... when S&P 500 grew 25% each year?
or are you just in cash now and going to see how things play out over next 2 weeks as soon as trump enters the stage and you want to be nimble and opportunistic
I had like $5k to my name 2 years ago so no. I have maxed out my Roth IRA the last two years though, so not too shabby. But yes, I haven't invested since like June of 2024 because I am waiting for Trump to enter the stage. I think a lot of the market is overvalued due to post-election hype about things he says he'll do but actually hasn't been tested on doing.
I'm actually on the same boat. 80% is held in cash and 20% in investments. I've held onto cash at a higher % than most for a couple reasons. 1) 6 month emergency fund is no longer a realistic amount imo. If something happens to employment + medical expenses or I get a job in a different state and need movers to help... 1 years worth of cash saved up as the emergency is enough to live life normally without a job and without worry. 2) Deployment. My goal is to save ~$100-150k in cash before deploying a healthy amount into various investment sleeves. There are some investments I want to make in my own book that are currently restricted due to my occupation, so I'm waiting until I move before deploying that money. Hopefully in a year or two I'm able to start building out my own book and lower that cash reserve of 80% down to something like 60%. People I know clown on me for having a higher base in cash sitting, but they go deaf when I explain the plan. Too many people obsess over 401(k) and that's it. There's more than one way to build your net worth then just cash + retirement/401k.
I'm pretty much on the complete opposite of the spectrum vs. comments above - I'm at ~95% investments and ~5% cash. To me, if I need cash, I can just sell stocks or pull via margins from the brokerage.
But the dry powder man, think about the dry power man.
Jokes aside yea this is solid. Everyone has their own way of managing capital. Props to you for making it work.
Assume you probably are at least a couple years out of college or older. I'm trying to save up an emergency fund lol
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