What percentage of your liquid money (this includes savings and emergency cash) is in stock market?

6/18/2012 5:05:42 PM

I guess liquid is more expansively defined that what I though.

[Edited on June 18, 2012 at 5:28 PM. Reason : FILDI]

6/18/2012 5:23:35 PM

I keep two months living expenses in savings, the rest I invest based on how soon I see myself needing it, for example, an expense in a year I might do bond or 500 index, longer I might do a value or dividend or individual stock or something.

6/18/2012 5:32:53 PM

Outside of our 401k and Roth IRAs (which are entirely in the stock market), I have the rest in about 30% stock market (funds and individual stocks), 30% in a money market, 10% in CDs, and 30% in savings and checking at our bank.

I know I technically have way too much "cash" (money markets, savings, and checking) since it is significantly more than 6 months living expenses but whatever. I'm putting a ton into the stock market each month via our 401ks and Roth IRAs and I also contribute monthly to some Vanguard Index Funds as well. Basically I regularly invest about all I can stomach into the stock market at this point in time so I don't mind having the extra cash around right now.

6/18/2012 7:47:52 PM

0% now - we're still funding the 6 month emergency fund and then will switch over to amassing a boatload of money for a down payment on the house.

After those are complete, I think we'll keep like 5 or 10% in something like a money market.

6/18/2012 7:58:53 PM

What do you define as liquid? I could technically liquidate my 401K if I so desired.

[Edited on June 18, 2012 at 8:39 PM. Reason : ]

6/18/2012 8:34:21 PM

zer0

6/18/2012 9:07:55 PM

^^ you can't withdraw the money though if you're still an active employee. (Not counting loans , which is a little different)

6/18/2012 10:31:13 PM

About 3 months of living expenses. 6 months is way too much money with these interest rates.

6/19/2012 6:59:30 AM

Automatic investments in my 401k and Roth IRA every payday.
Enough to cover monthly mortgage/utilities/creditcard in checking.
$10k in emergency/checking overflow/immediate savings.
Anything over that gets invested into various investment vehicles and forgot about (looked at as money I dont have).

Besides my mortgage, it's all liquid.

I should probably look into upping my immediate savings to $15k-$20k.

6/19/2012 7:12:50 AM

i currently invest (roth IRA and roth 401k) 15%, but have no matching programs for the 401k

my wife invests the same percentage, but gets matching on the 401k (hers isn't a roth account)

in any case, both are invested in the stock market and we use one of those "goal maker" (or similar) plans that are more aggressive now and less aggressive the closer we get to retirement...i try not to look at what they're worth very often because sometimes it's depressing and sometimes it's awesome

the rest is liquid...the mortgage is deducted from our pay automatically, and since we know (roughly) how much our monthly bills will be, we keep a minimum in our checking and the rest goes into a (slightly) higher yield money market

we use credit cards to buy almost everything and they get paid off at least once a month (usually twice, though, because i'm neurotic)

6/19/2012 8:38:37 AM