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The thing is that net asset value doesn't matter if it's in cash, or whether it's in equity or shares. Most people here treat cash as a very temporary thing for paying bills, but never as a bulk % of their net asset position, and I agree.

This gets my goat too but I think even 30 years ago there were whingers like that. Maybe more now since every Gen Y is a university graduate who thinks that they are so clever yet get paid $50k in their first job.