You are actually taking on more risk than if you had some invested in different vehicles.  The truth is you&#x27;re losing more money by not having any of it generating higher potential yields.  Likewise, putting all your money in higher yielding vehicles (for instance, call options) is a lot of risk too.<p>There&#x27;s a calculus to understanding how much you should have put into different vehicles (including cash in a savings account) to take on the most conservative position.<p>The way you&#x27;re playing is you are forfeiting and losing by taking on more risk than you think.  It&#x27;s weird to think about but you need to factor in inflation and cash becomes worth less when it is just sitting there.  It isn&#x27;t volatile but it is mainly deterministic. Some diversity in your arrangements would protect you better.