Managing Cash in a Crisis

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Strenuous market environments often shine a light on one of the more challenging aspects of personal finance, cash management. How much cash is too much? How much is not enough? If you have excess cash, where should it go? If the answer is financial markets, when is the right time to do that? These questions are universal whether you are at the start of your career and just beginning your accumulation plan or a seasoned saver near the end of your career, and everyone in between. Let’s review these in sequence.

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Driving on Ice

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This week’s dramatic market movements, with major US stock indexes down over 3% Tuesday as fears over the reported Chinese trade agreement details, Brexit related news coming out of the UK, and a partial inversion of the yield curve for US Treasury Bonds made many investors feel like their investments were sliding out of control. It’s the same helpless feeling you get when your car slides on ice when trying to negotiate a turn in winter. Unfortunately, the natural human reaction to both types of scenarios tends to be the wrong one, potentially leading to a crash.

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