💸 현금 비축 자산은 어떻게 운용하시나요?

If seems like a particularly good time, margin (within reson of course). Then use contributions/ dividends to cover.

Idk who that is but don't trust or listen to YouTubers for the most part they're all shit or they wouldn't be making YouTube videos for money they'd be beating the market instead. For me, I don't like having cash, I keep a short term cash supply for a few months expenses in a high yield savings, the rest of my "deployable cash" is more about broad market funds that I can sell into individual stocks, or sector funds (vgt heavy) if I feel there's an opportunity in something.

i have a pile of cash from savings etc above the 6mth to 1 year emergency funds. I dca a set amount every month at a rate that will deplete the excess within a year. the worst peak to trough crash we had in recent history is 50% from the GFC. i divide my excess cash into 10 tranches and every 5% down if we hit that level i will just put 1 tranche in. if we crash worse than the gfc, i guess im F'ed

I used to do that but if you're wrong it ties you to a stock more than just DCA and forget. If you use your dry powder and it doesn't rebound quickly you miss out on other stocks that do. I have about 3% in bonds that is my dry powder for something that I wish I was tied to more. I do it to lower my purchase price and sometimes react to upcoming events. I have a decently hard time convincing myself to deploy it though. I mainly use the dispersements to add to positions like that though.

I think DCA is more useful for times on big swings in price from nothing fundamental but merely market panic of some sort. But simply buying low after a stock drops without knowing the whether the news has changed the thesis on the name isn’t wise. WB is piling cash because his stocks have hit his valuation threshold. In other words the market is overpaying for the growth. So pull backs on stocks you own and nothing fundamental changes other than market valuation, then DCA can be a great compounder.

DCA VOO, buy good individual stocks when they are down 20% or more. Average down if they keep dipping. The only risk is running out of money, which has happened when everything starts dipping.

In reddit I think “cash” gets a bad name because it doesnt earn any interest and people usually sell low and buy high. So in most cases blindly DCA is a good strategy. Also its important to keep 3-6 months worth of expenses on hand for emergencies, but that cash should be considered separate from your investment portfolio. In my case when I refer to “cash” I am really holding it in money market funds (~4% now) or Bonds. Roughly 10-15% of my portfolio is in “cash”. I like to keep money in reserve for buying opportunities or dips. For example Reddit stock was as low as $120 recently. The growth metrics (70% revenue growth), valuation metrics (PEG below 1… P/E is a bad metric to use), and underlying business model gives me high conviction or faith in the stock. I loaded up when it went below $140 with the belief I would see a 50-100% upside in the next year. That 50-100% upside isnt the sort of return I am going to see investing all my money in VOO. So during downturns or dips I will move a lot of my “cash” reserves into stocks with strong upside or indexes (qqq/voo) that have fallen off. Right now I have less then 5% in money market/bonds. But as my stocks hit their valuation targets, I will sell and push that into “cash”. Naturally balancing out my portfolio to the desired ratio 85-15 stock/“cash” I like to keep.