{"id":3831,"date":"2018-09-05T00:00:00","date_gmt":"2018-09-05T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsthe-case-for-cash-how-much-do-i-really-need-for-a-healthy-portfolio\/"},"modified":"2023-11-01T11:05:08","modified_gmt":"2023-11-01T15:05:08","slug":"the-case-for-cash-how-much-do-i-really-need-for-a-healthy-portfolio","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/the-case-for-cash-how-much-do-i-really-need-for-a-healthy-portfolio","title":{"rendered":"The case for cash: How much do I really need for a healthy portfolio?"},"content":{"rendered":"

Well-versed investors are apt to make a case for cash<\/a><\/span> being part of a healthy investment portfolio. A cash reserve may be used in the case of unexpected life events or gaps in your cash flow, while giving you the liquidity to pursue investment opportunities.<\/p>\n

\u201cIf you have a portfolio of a million dollars and you’re fully invested … and you spot an investment opportunity, you don’t have any powder left to deploy,\u201d says Eric Edstrom, director of cash management at RBC Wealth Management-U.S. \u201cYou’re stuck; you lose that opportunity.\u201d<\/p>\n

But in the current interest-rate environment, it can also be important to understand the tools at your disposal to help you get the most out of an asset like cash.<\/p>\n

\u201cThe current low interest-rate environment is challenging investors who are maintaining larger cash allocations as a percentage of assets,\u201d Edstrom says. \u201cHistorically, clients held approximately six percent of cash in their investment portfolio; today that number is closer to 11. Anyone sitting on the sidelines like that unfortunately may have missed the market\u2019s momentum.\u201d <\/p>\n

Edstrom advises clients not to keep the majority of their portfolios in cash, but to instead understand the different types of cash and the roles that they play. These include operating cash, which clients need to live on; cash reserves, for using within 6 to 12 months; and investable cash, used to meet the long-term objectives for clients\u2019 cash needs, such as cash needed in retirement. <\/p>\n

\u201cUnderstanding your objectives, short- or long-term, and working with your financial advisor can help you attain your life\u2019s goals with a well-thought-out plan,\u201d Edstrom says.<\/p>\n

Knowing how much is enough<\/h4>\n

One of the most common questions that arises is how much cash to keep in the reserves.<\/p>\n

\u201cThree to six months of cash is what you always want to have on hand,\u201d says Fred Rose, head of Credit & Liquidity Solutions at RBC Wealth Management-U.S. \u201cSometimes you could go up to twelve months if you feel like you have more risk in your life.\u201d<\/p>\n

The exact amount varies from family-to-family and lifestyle-to-lifestyle, so Rose recommends sitting down and having a frank and honest discussion about your budget.<\/p>\n

\u201cWe tend to do this a lot in life, we go with the most aggressive income assumptions and the most conservative expense assumptions \u2026 we don’t factor in the true things that come up,\u201d he says. \u201cPeople are not (always) honest with themselves when they’re budgeting.\u201d<\/p>\n

While it’s important to have an idea of what you’re spending monthly, your expenses can vary significantly from quarter-to-quarter.<\/p>\n

\u201cYour expenses in June, July, and August are different than September, October, November,\u201d says Rose. \u201cYou have down months and up months and you need to smooth those things out and be honest about your budgeting expectations.\u201d<\/p>\n

Liquidity can come from credit too<\/h4>\n

Having a line of credit can also give you some agility in your cash flow management. There’s no cost to having a line of credit in place \u2014 no ongoing fee or report that goes back to your credit bureau, says Rose.<\/p>\n

\u201cYou never know when you’re going to need liquidity fast,\u201d he adds. \u201dIt’s there when you need it.\u201d<\/p>\n

You can leverage current assets to set up a line of credit.<\/p>\n

Angie O’Leary<\/a><\/span>, head of Wealth Planning at RBC Wealth Management-U.S., says her line of credit came in handy for putting her three kids through college, allowing them to cover costs up front without having to tap into their savings, and giving them the time to slowly pay it back.<\/p>\n

\u201cUsually, interest rates are low because it is a secured loan against either your portfolio or your home,\u201d says O’Leary. And some of the interest on a home equity line of credit may be tax deductible if it’s used to substantially improve your home.<\/p>\n

While there are stipulations you need to look into based on your unique case, she says, a line of credit may be an effective backup as well as a tool for retaining liquidity.<\/p>\n

Optimizing your cash<\/h4>\n

One of the major pain-points investors have with cash is being at the mercy of the current interest rate environment.<\/p>\n

\u201cShort-term interest rates (are) what drives yields on cash, so it’s all about maximizing what you’re earning on your cash within the current interest rate environment without taking on too much risk,\u201d says Edstrom.<\/p>\n

He breaks down the cash reserve into several tiers: zero-to-six-months, six-months-to-a-year and beyond-a-year, all of which center around maximizing yield while maintaining liquidity.<\/p>\n

Tier one (zero-to-six-months) is operating cash and should be in an agile vehicle like an interest-bearing secure savings account.<\/p>\n

\u201cThat’s going to meet your daily needs, pay bills, living expenses and be there immediately \u2026 there’s really no delay; it’s like a checking account,\u201d Edstrom says.<\/p>\n

When the cash reserve that might be needed after the zero-to-six-month stash is burnt through, he recommends investing in something stable but with a more competitive interest yield such as treasury bills, certificates of deposit (CDs) or money market funds \u2014 all of which typically are deposited for a fixed time with penalties if withdrawn before that commitment. Beyond a year, Edstrom starts to look at fixed income, investments that pose less risk and return income at reliable intervals.<\/p>\n

\u201cIf there’s the very low probability that you’re going to need the cash, you’re probably going to keep more of it in that second bucket, where you’re really seeking to keep it safe but also generate a competitive yield,\u201d he says. \u201cOver time it’s probably going to shift more into that operating cash – that zero-to-six where it’s highly liquid and available for your needs.\u201d<\/p>\n

An ongoing discussion<\/h4>\n

How much you set aside in cash should change as your needs and lifestyle evolves. The important thing, says Edstrom, is to ensure your cash reserves are on the agenda whenever you’re revising your overall investment strategy.<\/p>\n

Often, he says, the conversation doesn’t happen as much as it probably should.<\/p>\n

\u201cA general rule about \u2018how much cash do I need\u2019 does not exist,\u201d Edstrom says. \u201cOur lives are fluid, and circumstances often dictate the ebb and flow of our cash needs.\u201d<\/p>\n

However, cash requirements should be a continuous topic of discussion with your financial advisor and wealth manager.<\/p>\n

\u201cCash, like life, is a strategy that should not be left to chance,\u201d he adds.<\/p>\n","protected":false},"excerpt":{"rendered":"

Investors shouldn’t keep the majority of their portfolios in cash. However, it can be used within your overall wealth planning strategy.<\/p>\n","protected":false},"author":0,"featured_media":9084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[138],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[466,462],"rbcwm_segment":[460],"rbcwm_solution":[484,482],"rbcwm_topic":[457],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-finances","rbcwm_need-grow","rbcwm_need-live","rbcwm_segment-individuals-and-families","rbcwm_solution-cash-and-lending-services","rbcwm_solution-investments","rbcwm_topic-education"],"acf":{"rbcwm_subtitle":"Investors shouldn't keep the majority of their portfolios in cash. However, it can be used within your overall wealth planning strategy.","rbcwm_post_author":[],"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":["No"],"perspective_disclaimer":["No"],"expandable":[],"omit_from_pages":[],"disclaimer_footnote":"

Securities-based loans involve special risks and are not suitable for everyone. You should review the provisions of any agreement and related disclosures, and consult with your own independent tax and legal advisors about any questions you have prior to using securities-based loans or lines of credit. Additional restrictions may apply.<\/p>"},"rbcwm_insight_cta_id":8484,"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nThe case for cash: How much do I really need for a healthy portfolio?<\/title>\n<meta name=\"description\" content=\"Investors shouldn't keep the majority of their portfolios in cash. 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