08-28-2021, 02:57 PM
Well, for me, I count things a bit differently.
Basically 100% of my investment portfolio is in stocks. I would say that about 95% of this is solid long-term companies, and the 5% are significantly more speculative (often non-div payers) Some of those stocks in that 5% should probably be classified under gambling.
My option trades are all on 100% margin, so technically I have $0 dedicated to this. But in reality the total exposure to options is anywhere between 0% and 10% of my portfolio value at any given time.
My cash is something I consider completely separate from my investments. This is cash for a rainy day, living expenses when I feel like skipping work for a year or two, down payment for a house... honestly I have no idea, I just enjoy having some cash around just in case. Makes me sleep like a baby. Some of this money can (and will) be used for investment purposes if we get a real dip. But as I said, I don't consider this an "investment" by any stretch of the imagination.
Time remaining until retirement? Anything between negative two years and 40 years? I have no idea. Honestly this isn't the kind of world anymore where it's study-work-retire. I actually finished my first little retirement period, then went back to work, now I'm doing both work and somehow I also find myself enrolled in a university? And probably giving retirement another try before university is complete? Life just is different these days. But my portfolio is geared towards being able to support me starting tomorrow if I feel like that.
Basically 100% of my investment portfolio is in stocks. I would say that about 95% of this is solid long-term companies, and the 5% are significantly more speculative (often non-div payers) Some of those stocks in that 5% should probably be classified under gambling.
My option trades are all on 100% margin, so technically I have $0 dedicated to this. But in reality the total exposure to options is anywhere between 0% and 10% of my portfolio value at any given time.
My cash is something I consider completely separate from my investments. This is cash for a rainy day, living expenses when I feel like skipping work for a year or two, down payment for a house... honestly I have no idea, I just enjoy having some cash around just in case. Makes me sleep like a baby. Some of this money can (and will) be used for investment purposes if we get a real dip. But as I said, I don't consider this an "investment" by any stretch of the imagination.
Time remaining until retirement? Anything between negative two years and 40 years?
I have no idea. Honestly this isn't the kind of world anymore where it's study-work-retire. I actually finished my first little retirement period, then went back to work, now I'm doing both work and somehow I also find myself enrolled in a university? And probably giving retirement another try before university is complete? Life just is different these days. But my portfolio is geared towards being able to support me starting tomorrow if I feel like that.