20% of my portfolio is what my adviser recommended to leave in cash. It's pretty standard (10 to 20%) Why do you even both with i-bonds when it's only 4% up to

20% of my portfolio is what my adviser recommended to leave in cash. It's pretty standard (10 to 20%) Why do you even both with i-bonds when it's only 4% up to $10k? It's $400 per year. You could just skip going to dinner once.