many of us are very cautious right now and are running the highest cash levels maybe ever .
i know being retired and having had an amazing year , as well as i locked in a lot in realized gains this year
so looking this morning at how we are positioned:
20% equity funds consisting of
vti total market fund 10%
vwo emerging market 5%
vio small cap value 5%
pretty much the larry swedroe fat tail but with a total market fund included
10% bond funds
TIP inflation protected bond ETF , not a fan of tips but right now i think it’s the best horse in the glue factory.
5% gold etf iau
65% cash instruments , sgov , bil , money markets , bank
with rates where they are now we are getting over 10k a month in just interest
so right now i can sit back with a lot in cash instruments but that isn’t going to be a long term thing for us
particularly interested in what retirees are doing as those with plenty of time can simply stay the course