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Thanks for all the discussion!


"I see no reason to have any cash at all in the account, unless you see no opportunities in the stock market. Certainly there are times when you should just be out of the market. And of course, you need to go to cash when you need to make a withdrawal.

Asset allocation is bunk. You need to be in the strongest assets and ride them as long as they are strong. Then move to something else."

I am kinda wondering the same thing, why have cash in a retirement portfolio?

I guess maybe we were thinking that there should be some amount in there that has no chance of being lost (ie due to stock market going down).

On the other hand, it seems it would be prudent to put it into stocks since they are going up now.
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