My savings rate is 74.95%. Yes, I am that anal about it. I'm keeping a fair bit in cash right now (ready for the next crash). In terms of "stash" I guess overa

My savings rate is 74.95%. Yes, I am that anal about it. I'm keeping a fair bit in cash right now (ready for the next crash). In terms of "stash" I guess overall I'm about 40% gilts and bonds, 30% equities, 30% cash. Not too spicy, but I sleep well. They reckon should should hold you age in bonds and gilts (55% for me). Total stash is equivalent to about 33.33 years of expenses. Then there's property which I don't include in stash. I would think seriously about the fact you have very little diversification in your portfolio. You also are holding the typical amount in cash that is recommended for an emergency fund. I'm slightly more contrarian on that issue - I like to keep one to three years of expenses as cash - it varies depending on various issues. Of course everyone has their own thoughts on investment and there is no "one size fits all". All the best!