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Cash as a payment for comfort
Holding cash in a checking account makes sense only in one scenario: as a liquidity fund covering 3–6 months of expenses. Anything above that threshold is a fee for your psychological comfort that costs more than many investment vehicles.
Many fear entering the market, waiting for the "perfect moment." But mathematically, staying out of assets costs more than the potential drawdown of a portfolio during a correction. You are paying for your peace of mind with a 5–10% annual loss in purchasing power.
Calculate the cost of this "peace of mind" over five years, and you will see the amount you have deprived your future pension of.
#investing #financialliteracy