Current percent cash allocation vs. target cash allocation for portfolio?

[tck]

Mine seems to be about 15%, If I weren't so fearful given turbulent times, I'd probably want this to be down to 2 - 3 %.

I'm trying to think about the period of time I want to DCA back into equities with this cash. Maybe aim to invest cash away over 3 months? Maybe 6 months?

I know lump-sum beats DCA more often than not, but this slow pace is more for my peace of mind. I'll probably DCA into some world ETF.

You can check out the allocation here. You're also able to click in and expand the view to a degree:
TCK Allocation

[Windmill65]

I'm keeping about 4~6 months' of living expenses in cash. The rest is invested. I know that I can liquidate any portion of those investments in about three to five working days. That is fast enough for me to call those investments liquid and don't worry about them not being cash.

[shri]

Would like to end next week at 3-5% of investible cash. Not going to DCA it. Usually keep DCA for dividends / income.

[aw451]

Would like to end next week at 3-5% of investible cash. Not going to DCA it. Usually keep DCA for dividends / income.

Are you going back in to equities or down the dark side?

[shri]

100% equities allocation - been that way for a couple of years min.

I don't have any interest in Kowloon side investments.

[shri]

I'm trying to think about the period of time I want to DCA back into equities with this cash. Maybe aim to invest cash away over 3 months? Maybe 6 months?

I have been thinking about this. Is this case of lack of conviction i.e. you're not certain that the market will recover any time soon in the 3-6 month window?

At current rates, I'm DCAing every week will be done this week.

[tck]

I have been thinking about this. Is this case of lack of conviction i.e. you're not certain that the market will recover any time soon in the 3-6 month window?

At current rates, I'm DCAing every week will be done this week.

Oh. I don't really have strong feelings either way in the short term, the slow re-entry is generally to minimise feelings of regret.

I've done the other extreme where I've taken lump sums of cash and just dumped them into ETFs and regretted it just because of unlucky timing, and that kind of messes with my mood.

In the long run I don't think the marginal benefit/cost of DCAing over 1 month or 1 year will be particularly meaningful given it's only 15% of my portfolio, I'm just trying to maximise my chance of sleeping easy.

[pin]

UST all in for me.

Oh wait......................

[Gollygordon]

I don't have a generalised target allocation for cash as I believe the attractiveness of holding cash is hugely variable over time.

I was near zero shortly after the Covid crash. Have been between 50-100% USD (plus HKD and stablecoins) from May 2021 onwards and currently sitting very roughly around 90%. No plans to invest any dollars any time soon. It's a fairly uncomfortable position to be in given inflation and one I may ultimately be wrong about.

Most of my adult life my cash allocation has been far more stable and usually somewhere between 5-20%.

[Gollygordon]

(When I say zero allocation to cash I am referring to my 'investable funds' meaning anything over roughly 6 months of living expenses).