I keep one year of cash, I draw from the cash when the market dips and replenish when the market is up. Most often the cash sits awaiting a crash. And that's 12 months of normal spending so we may extend it if the dip persists. I see this as a way to mitigate market risk and allows for a higher level of risk/return some of my other investments.


The difference between genius and stupidity is that genius has its limits. Albert Einstein