There has been an ongoing talk more on warchest recently from fellow friends and bloggers following Derek's and LP's initiated conversation the other time regarding portfolio allocation. The truth is portfolio allocation is seemingly a very important yet overlooked concept that many had underestimated. I've been reading some articles and books on human behaviors in recent weeks myself which I felt was somewhat intrigued and would like to share my thoughts on the subject matter. As someone who had invested in the stock market myself and coming from the retail investor point of view, I have come across similar situations and experience that many other retail investors have come across or newbies that will come across someday. The subject matter in this article is about how continently difficult it is to keep cash as a warchest given the various scenarios based on my past experience. A Newbie’s Behaviour  Everyone that has done some sort of ......