Cash is still the King._老虎社区_美港股上老虎

Rashamon96
2021-09-06

Cash is still the King.

With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?

Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace: How much should we

With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?

免责声明：上述内容仅代表发帖人个人观点，不构成本平台的任何投资建议。

推荐
最新

暂无评论

热议股票

关于我们·老虎社区守则·老虎社区账号管理规范·老虎社区服务协议·老虎社区隐私政策

公司名称：北京至简风宜信息技术有限公司

违法和不良信息投诉：010-5681-3562（工作时间9:30-18:30）

邮箱：service@laohu8.com

营业执照：91110105MA01A4U55R

ICP备：京ICP备18016422号

网安备：京公网安备11010502036490

关注我们

{"i18n":{"language":"zh_CN"},"data":{"magic":2,"id":817180560,"tweetId":"817180560","gmtCreate":1630918402750,"gmtModify":1631890826370,"author":{"id":3586937187491404,"idStr":"3586937187491404","authorId":3586937187491404,"authorIdStr":"3586937187491404","name":"Rashamon96","avatar":"https://static.tigerbbs.com/c800b60e9a6b67f29f6a9438054010ae","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":2,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body><p>Cash is still the King.&nbsp;</p></body></html>","htmlText":"<html><head></head><body><p>Cash is still the King.&nbsp;</p></body></html>","text":"Cash is still the King.","highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/817180560","repostId":1167279106,"repostType":4,"repost":{"id":"1167279106","kind":"news","pubTimestamp":1630913272,"share":"https://www.laohu8.com/m/news/1167279106?lang=&edition=full","pubTime":"2021-09-06 15:27","market":"us","language":"en","title":"With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?","url":"https://stock-news.laohu8.com/highlight/detail?id=1167279106","media":"MarketWatch","summary":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we","content":"<blockquote>\n <b>Rules of thumb … and then the amount that’s right for you.</b>\n</blockquote>\n<p><i>Dear Ms. MoneyPeace:&nbsp;</i></p>\n<p><i>How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.</i></p>\n<p><i>Already Retired Annie</i></p>\n<p>Annie,</p>\n<p>Your question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs.&nbsp;</p>\n<p>What that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.</p>\n<p>If you are retired, you <i>still</i>need a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.</p>\n<p>Income from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.</p>\n<p>Liquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.</p>\n<p>Of course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.</p>\n<p>No matter when you need it, cash holds the same price; investments do not.</p>\n<p>A home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation.&nbsp;And locking yourself into more debt when you are no longer working creates stress.</p>\n<p>Withdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.</p>\n<p>Adding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.</p>\n<p><i>CD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at&nbsp;MoneyPeace.</i></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets? </title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWith interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets? \n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-06 15:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With ...</p>\n\n<a href=\"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index","SPY":"标普500ETF"},"source_url":"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1167279106","content_text":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.\nAlready Retired Annie\nAnnie,\nYour question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs. \nWhat that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.\nIf you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.\nIncome from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.\nLiquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.\nOf course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.\nNo matter when you need it, cash holds the same price; investments do not.\nA home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation. And locking yourself into more debt when you are no longer working creates stress.\nWithdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.\nAdding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.\nCD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at MoneyPeace.","news_type":1},"isVote":1,"tweetType":1,"viewCount":163,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":19,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}

With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?

评论（2）

热议股票