“Cash is king.”

But is it a great investment?

Historically, investors have built up dry powder to fund emergencies or survive market downturns.

But with cash now yielding 5%, many investors are viewing cash as a way to make money.

Today I’m sharing why cash — even at today’s rates — is a bad investment. I’m also sharing how much cash a retirement investor should consider holding.

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Episode Resources

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• Nominal Returns vs. Real Returns
• Cash is King
• Historical Returns
  • S&P 500 Real Return (1978-1999)
  • Stocks, Bonds, and Cash Returns (Multiple Periods)
  • The Last 95 Years: Stocks, Bonds, Cash, and Inflation
• May 2023 Inflation Report
• Vanguard Treasury Money Market Fund (VUSXX)
• Should Retirement Savers Own Bonds?
• How to Boost Your Return On Cash

Episode Transcription

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