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I always have a cash reserve for about half a year of expenses and outside of about 25% of my portfolio I now have in cash. Respectively, saved so that including the cash reserve, interest was at least 6.25%p.a. and access was within 14days max

Maybe it's a lot, but I'm a can and sometimes I wait a long time before I make a purchase:D

It's probably not even much for me, as I'm a bit of a canned food person too, so it's perfect for me :D

Great, that's a reasonable approach.

So someone says the reserve is useless 🤔

About 70%, but some of that is financial reserve.


I use a credit card so zero, I don't hold any cash, only investments. I invest both regularly and as soon as I can. I don't try to time the market anymore so I don't need to hold cash for that at all. However, I do consider "cash" to be stocks with a timing test that are in the black. So if I need more cash a "fuck off fund" is available in a matter of days. That suits me just fine.

So cool, that's a great attitude.