Excess cash in your brokerage should be put into a money market fund. For example, at Schwab you can use [SWVXX](https://www.schwabassetmanagement.com/products/swvxx). The key point is many brokerages won't automatically sweep to this for you, so it requires you to do trades. SGOV and BIL are other good ETFs for this. You can find good money market funds at [Yieldfinder](https://yieldfinder.app/money_markets).
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If you don't do this yourself, your brokerage will love your idle cash sitting around which they will use to invest and earn them, and not you, money. I generally hold very little cash because inflation quickly eats into its value. I'd rather put that money to better use.
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If you don't do this yourself, your brokerage will love your idle cash sitting around which they will use to invest and earn them, and not you, money. I do not hold much cash because inflation quickly eats into its value. I'd rather put that money to better use.
## Rebalancing
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Occasional portfolio rebalancing is necessary unless you are only invested in an automatic glide path fund. I generally just contribute funds to the deficient allocation category. If it requires a much higher amount than the funds available, utilizing leverage can get you to a balanced portfolio quicker.
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Occasional portfolio rebalancing is necessary unless you are only invested in an automatic glide path fund. I just contribute funds to the deficient allocation category. If it requires a much higher amount than the funds available, utilizing leverage can get me to a balanced portfolio quicker.
The paper [Rebalance your portfolio without selling](https://arxiv.org/pdf/2305.12274) describes some more complex ways to optimize rebalancing.