# How much cash do you hold **URL:** \ **Category:** Investing / Portfolios\ **Created:** [February 10, 2026, 9:25pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223 "2026-02-10T21:25:47Z")\ **Posts on this page:** 13\ **Page:** 3
**Author:** ![Stingy\_cnt](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/87869e/32.png) [@Stingy\_cnt](https://forum.mustachianpost.com/u/Stingy_cnt)\ **Post date:** [February 12, 2026, 7:34am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/43 "2026-02-12T07:34:28Z")
I personally don’t believe that inflation really is that low but this is a topic for a different thread. ---
**Author:** ![Mirager](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mirager/32/12344_2.png) [@Mirager](https://forum.mustachianpost.com/u/Mirager)\ **Post date:** [February 12, 2026, 8:16am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/44 "2026-02-12T08:16:32Z")
I don’t know what’s factored in the official inflation calculations, however I always believed that inflation is intangible in the bank account, and very tangible in the supermarket. With this crude metric I _feel_ that inflation in CH is low. The only thing that’s gone up YoY is health insurance, other than that our bills have stayed pretty much the same, petrol has gone down, food costs are steady. In fact since 2024 or so we gave up going to DE/FR for shopping because the price difference had become marginal and not justifying the cost of driving from BL to Weil Am Rhein or Saint-Louis. If one lives in Volta or Dreiländereck in Basel then fine 😉 ---
**Author:** ![Stingy\_cnt](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/87869e/32.png) [@Stingy\_cnt](https://forum.mustachianpost.com/u/Stingy_cnt)\ **Post date:** [February 12, 2026, 8:41am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/45 "2026-02-12T08:41:20Z")
I mean you’re saying the prices you pay for groceries in eurozone have increased, that still counts as inflation for you as a Swiss resident, no? ---
**Author:** ![Mirager](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mirager/32/12344_2.png) [@Mirager](https://forum.mustachianpost.com/u/Mirager)\ **Post date:** [February 12, 2026, 8:57am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/46 "2026-02-12T08:57:11Z")
Yes, exactly. ---
**Author:** ![cubanpete\_the\_swiss](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cubanpete_the_swiss/32/15446_2.png) [@cubanpete\_the\_swiss](https://forum.mustachianpost.com/u/cubanpete_the_swiss)\ **Post date:** [February 12, 2026, 9:06am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/47 "2026-02-12T09:06:43Z")
> [@bsaurabh](#): > > having cash but hedging it with debt Exactly that. Having at least the amount of debt that you hold cash. If you have a mortgage you are fine. The OP decided to exclude it, but that makes no sense. Debt is debt, no matter what the collateral is. The value of money always goes down long term. Very small periods of deflation and very long periods of inflation with the risk of a hyperinflation. ---
**Author:** ![Abs\_max](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/abs_max/32/12379_2.png) [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)\ **Post date:** [February 13, 2026, 11:42am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/48 "2026-02-13T11:42:36Z")
I think for Swiss investors , cash is akin to bonds. Are you saying 100% should be invested in equities or 100% should be invested in something ? ---
**Author:** ![Quack](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/quack/32/6971_2.png) [@Quack](https://forum.mustachianpost.com/u/Quack)\ **Post date:** [February 13, 2026, 12:01pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/49 "2026-02-13T12:01:10Z")
I don’t feel good unless I have at least a year’s expenses in cash. Rationally I think it’s probably excessive but at the same time I don’t think I could stomach a 100% equity portfolio when a bigger crash eventually comes so i justify it as part of the bond portion. There are three things I don’t really know how to think about: 1. Now that I’m on a C permit, I have a kind of one-way line of credit with the tax authorities. If I ever needed to accumulate more cash (because e.g. i lost my job and had a couple of months of severance) then I could just wait longer before paying taxes. 2. As my portfolio grows, my “runway" gets supplemented by the dividends. At some point the dividends in a year will cover more months of expenses. So e.g. if you have 12.5x expenses then dividends cover approx 3 months. So you only need 9 months cash to have 1 year of runway. But on the other hand, losing my job may be correlated with a stock market crash so this couldn’t be relied upon 3. The “bond” portion is supposed to be rebalanced into equities if there is a crash. But will I feel ok reducing my runway in such times? Maybe not ---
**Author:** ![cubanpete\_the\_swiss](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cubanpete_the_swiss/32/15446_2.png) [@cubanpete\_the\_swiss](https://forum.mustachianpost.com/u/cubanpete_the_swiss)\ **Post date:** [February 13, 2026, 12:19pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/50 "2026-02-13T12:19:28Z")
No. ---
**Author:** ![gaijin](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gaijin/32/13983_2.png) [@gaijin](https://forum.mustachianpost.com/u/gaijin)\ **Post date:** [February 13, 2026, 5:24pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/53 "2026-02-13T17:24:36Z")
> [@cubanpete\_the\_swiss](#): > > No. Sorry, but I don’t understand this reply. It was an either-or question, so the answer ‘no’ doesn’t really make sense. ---
**Author:** ![cubanpete\_the\_swiss](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/cubanpete_the_swiss/32/15446_2.png) [@cubanpete\_the\_swiss](https://forum.mustachianpost.com/u/cubanpete_the_swiss)\ **Post date:** [February 13, 2026, 5:40pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/56 "2026-02-13T17:40:35Z")
OK, sorry: No and no. (The first question was “are you saying” and the answer is no, I did not say that and everybody can read what I said). ---
**Author:** ![KK1](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/kk1/32/12596_2.png) [@KK1](https://forum.mustachianpost.com/u/KK1)\ **Post date:** [February 13, 2026, 8:18pm UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/57 "2026-02-13T20:18:31Z")
I hold positive cash only on weekends, else highly leveraged debt daily ---
**Author:** ![zelias](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/z/ac8455/32.png) [@zelias](https://forum.mustachianpost.com/u/zelias)\ **Post date:** [February 14, 2026, 11:40am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/58 "2026-02-14T11:40:44Z")
I would’t apologize; it was an impeccable propositional logic answer 🙃 ---
**Author:** ![Peppa](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/peppa/32/21604_2.png) [@Peppa](https://forum.mustachianpost.com/u/Peppa)\ **Post date:** [October 21, 2026, 10:49am UTC](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223/59 "2026-10-21T10:49:48Z")
> [@Fliss](#): > > optimist me considers it the cost of creating the opportunity to invest the rest And the price to have a balanced marriage [Previous page](https://forum.mustachianpost.com/t/how-much-cash-do-you-hold/18223.md?page=2)