Anonymous
Post 05/20/2026 19:47     Subject: Hang on to cash until correction?
Anonymous wrote:
Anonymous wrote:If you have $15M don’t you have an adviser telling you what to do?


yes i don’t get it. we have less than this poster and have wealth advisors do everything. Tax planning, tax preparation, investment strategies, etc etc. we aren’t over here randomly guessing if google is experiencing a dip or are dumb enough to keep 1M + on the sidelines timing the market.


OP here. Well we already did pretty well investing some of it in March when the market took a dip. Should have invested more, honestly. We have enough money to live comfortably until death and will still leave our kids more than we have right now. So I don't stress about having so much cash...just trying to figure out whether I should invest now (seems stupid) or wait for another dip like the one in March.

Also, how do you know we don't have an advisor. Of course he thinks I should invest it all so it will be part of the AUM.
Anonymous
Post 05/20/2026 17:30     Subject: Re:Hang on to cash until correction?
Anonymous wrote:What we do is keep 2-3 years of expenses in cash so if there is a correction we can ride it out.


The stock market can have negative returns for over a decade. That cash wouldn't have helped much in the 70s with high inflation and abysmal stock market returns.
Anonymous
Post 05/20/2026 16:56     Subject: Re:Hang on to cash until correction?
What we do is keep 2-3 years of expenses in cash so if there is a correction we can ride it out.
Anonymous
Post 05/20/2026 02:09     Subject: Hang on to cash until correction?
I had the same question about my measly 6k in cash and no one would answer it
Anonymous
Post 05/19/2026 23:17     Subject: Hang on to cash until correction?
Anonymous wrote:If you have $15M don’t you have an adviser telling you what to do?


yes i don’t get it. we have less than this poster and have wealth advisors do everything. Tax planning, tax preparation, investment strategies, etc etc. we aren’t over here randomly guessing if google is experiencing a dip or are dumb enough to keep 1M + on the sidelines timing the market.
Anonymous
Post 05/19/2026 19:59     Subject: Hang on to cash until correction?
Correction looks like it may be over. Strong bounce of 21 day averages today, which is typically bullish.
Anonymous
Post 05/19/2026 19:13     Subject: Hang on to cash until correction?
Anonymous wrote:We've accumulated a lot of cash over the last few years due to stock option exercises and other distributions. Our holdings right now are around $15M. Of that, $1.3M is in a high yielding money market. Over the last year, we've been investing in strong companies when their stocks dip significantly (Google, Amazon). That's worked out for us, but we still have too much cash. We spend about $300K a year and have a hefty tax bill. We take a deferred comp distribution annually of about $500K before taxes in the spring.

With the market so high right now, would it be best to wait to invest this money? Any other ideas of where to park it?


That's what I'm doing.. but then, I've been in this mode for years now and missed the '22, '25 and '26 opportunities. Waiting for the big collapse that's supposedly around the corner.
Anonymous
Post 05/19/2026 18:32     Subject: Hang on to cash until correction?
Op, I'll help you. Let me invest it for you and you would get high level return beating S&P. LOL
Anonymous
Post 05/19/2026 16:49     Subject: Hang on to cash until correction?
Anonymous wrote:If you have $15M don’t you have an adviser telling you what to do?


+1. F@cng troll. Anyone savvy enough about appear not looking for advice here. Gtfo
Anonymous
Post 05/18/2026 21:15     Subject: Hang on to cash until correction?
Anonymous wrote:
Anonymous wrote:Yea, it's a great idea to have that much money yet seek financial advice from a bunch of anonymous amateurs and idiots on a mommy website.

Well done, OP.


Clearly you are one of the losers I should ignore then.


I mean, I don’t have your money but we haven’t done badly (close to $10 million net worth) and I get professional help instead of humble bragging to strangers on the internet.
Anonymous
Post 05/18/2026 21:05     Subject: Hang on to cash until correction?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:We've also been accumulating cash. However our portfolio outside of cash is mostly equities and real estate, so not nearly as liquid. Bond funds used to be a diversifying option but those seem like not great options anymore.

Our bank offers bespoke CD options for $1MM and up that aren't on their website. We right now got a 5% 9 month CD...maybe that's a thought?


Which bank is offering 5% 9 month CD?


US Treasury


I hold t-bills and even those aren't paying that high.
Anonymous
Post 05/18/2026 21:01     Subject: Hang on to cash until correction?
with that kind of money, not sure why you're looking for free financial advices from strangers on a forum..I call troll.
Anonymous
Post 05/18/2026 15:46     Subject: Hang on to cash until correction?
Anonymous wrote:
Anonymous wrote:You should spend your time educating yourself on how to invest or seek out a financial planner. You don't like bonds, pick individual stocks, and now you are concerned about timing the market with 10% of your portfolio. A prudent investor doesn't do those things.


I have a lot of investments...very heavy in equities (about 65%) for someone already in retirement. So now again, I ask, wait until correction to invest in equities? We bought a few mini dips when the war got started and it worked out well for us.


PS: 65% equities, 24% bonds, 11% money market (including about $370K in a 529 for a rising college student), to be exact.
Anonymous
Post 05/18/2026 15:42     Subject: Hang on to cash until correction?
Anonymous wrote:You should spend your time educating yourself on how to invest or seek out a financial planner. You don't like bonds, pick individual stocks, and now you are concerned about timing the market with 10% of your portfolio. A prudent investor doesn't do those things.


I have a lot of investments...very heavy in equities (about 65%) for someone already in retirement. So now again, I ask, wait until correction to invest in equities? We bought a few mini dips when the war got started and it worked out well for us.
Anonymous
Post 05/18/2026 12:22     Subject: Hang on to cash until correction?
You should spend your time educating yourself on how to invest or seek out a financial planner. You don't like bonds, pick individual stocks, and now you are concerned about timing the market with 10% of your portfolio. A prudent investor doesn't do those things.