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Cash reserves and asset allocation

How the cash target is expressed and how deposits route to it.

Cash reserves in FIREproof are not a separate input. They are part of your asset allocation glide path. The engine maintains the cash target by routing deposits and rebalancing across cash-compatible accounts.

How cash target works

Your desired cash reserve is expressed through the Cash percentage in Asset Allocation over time (the glide path). If you want about 10% of the portfolio held in cash, set Cash to 10% in the glide path. Checking and Savings accounts can help hold that target because they are cash-only accounts.

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