Liability-Driven Liquidity
Total Household Liquidity Estimator
A true liquidity requirement is liability-driven — anchored to your actual cash outflows and committed capital — not an arbitrary percentage of assets. This tool sizes the pool you should hold in liquid instruments so the remainder of your portfolio can compound without cash drag.
Step 1 of 3 — Cash Outflows
Total Target Liquidity
$0
Sized to cover 3 months of operational cash, 12 months of planned outflows, and a 10% strategic buffer.
Net reliance
$0
Monthly reliance
$0
Legacy calls
$0
Liquidity tier breakdown
Tier 1 — Immediate Operational CashiCovers day-to-day household operating costs that must be funded from the portfolio. Sized as your monthly portfolio reliance times the Tier 1 stability multiplier.
$0
0% of total
Tier 2 — Planned Capital OutflowsiFunds known near-term capital calls and committed outflows due within 12-24 months, layered on top of your ongoing portfolio reliance.
$0
0% of total
Tier 3 — Strategic / Comfort BufferiA flat 10% reserve applied to Tier 1 + Tier 2, held for strategic optionality and unforeseen deviations from plan.
$0
0% of total
The Evergreen Multiplier
Why evergreens hold the rest
Once this liquidity pool is set aside in cash and near-cash instruments, the remainder of your portfolio should stay fully invested. Evergreen funds are optimal for that remaining allocation: their perpetual structure avoids the cash drag that accumulates when capital sits uninvested waiting for illiquid opportunities, so your capital keeps compounding on top of — not beside — the designated liquidity pool above.
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