I blogged about how we should always have a war chest to take advantage of opportunities in the stock market because what is worse than seeing the prices of our investments plunging? Not being able to increase the size of our investments at those lower prices (assuming, of course, that they are still good investments)! So, I always say that there is nothing wrong with keeping a sizeable portion of our portfolio in cash. Cash isn't only the money we have in savings accounts or fixed deposits (which is my preferred way to keep my emergency fund and some of my money in my war chest). Money in the CPF-OA (up to a cap) and SRS account is cash that can be used for investments too. Anyway, before I ramble on, this blog post is not going to look at cash in our portfolio. Huh? This blog post is about emergency and......