Hi, Shrewd!        Login  
Shrewd'm.com 
A merry & shrewd investing community
Best Of BRK.ABest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd
Search
Shrewd'm.com Merry shrewd investors
Search
Best Of BRK.ABest OfAll BoardsThe Shrewd’m WeeklyLearn to InvestHow to Become Shrewd


The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
Answer this questionContinue to Shrewd'mThis note won't appear again
Stocks A to Z / Stocks B / Berkshire Hathaway (BRK.A)
Unthreaded | Threaded | Whole Thread (15) |
Author: suaspontemark ✶☼  😊 😞
Number: of 22346 
Subject: Re: Asset allocation
Date: 10/04/26 12:34 PM
Post New | Post Reply | Report Post | Recommend It!
No. of Recommendations: 5
I have a five year ladder, mostly built of MYGAs, that covers 100% of annual spending should markets tank. Standard fixed instrument ladder.

Overall about 75/25 securities/cash(or equivalents). That includes the ladder, but the ladder isn't all the cash. Some of the investment accounts are in Schwab's money market accounts. I suppose I could poke at treasuries and search for something a little better but it is doing ok. Maybe that will be this week's project...

But I pushed more into cash, after being about 85/15 earlier this year, when it simply felt equities were too richly valued writ large. If we catch another 2020, 2008, or 2001 type smackdown, we'll put the cash (other than the ladder) to work buying things on sale. Last time I did that was March 16 2020, and that turned out beautifully - cruise lines and Disney, that time.

I would consider going 70/30 or more into cash, but it doesn't seem necessary today.
Post New | Post Reply | Report Post | Recommend It!
Print the post
Members reply directly to suaspontemark here — and replies get answered. Reading is free; so is joining the conversation. Join Shrewd'm »
This community has written 21,850 posts about Berkshire Hathaway. The article-length ones it recommended most:
BRK: Why Not XOM? · 62 recs · 2024
Second quarter comments · 60 recs · 2023
Berkshire's Profit Contributors · 58 recs · 2023
Summary of 2Q 2026 · 55 recs · 2026
3Q Summary · 53 recs · 2024
Unthreaded | Threaded | Whole Thread (15) |


Announcements
Berkshire Hathaway FAQ
Contact Shrewd'm
Contact the developer of these message boards.

Best Of BRK.A | Best Of | Favourites & Replies | All Boards | Followed Shrewds | Open Questions | Moving a community