Journal
Cash buffers for Hong Kong holders who rebalance on a PC
Practical ways to size an HKD-aware cash sleeve so rebalancing stays optional rather than forced.
A rebalancing plan that ignores rent, school fees, or FX needs will be abandoned the first month expenses spike. In Central sessions we treat cash as a first-class sleeve.
Name the currency
Decide whether the buffer lives in HKD bank cash, HKD-linked stablecoin, or a mix. Smart Crypto Calculator PC weights should reflect the same definition every quarter.
Size from months, not from vibes
Many clients start with two to four months of known HKD outflows as the floor, then add a smaller “rebalance dry powder” sleeve on top. The floor is not for buying dips.
Do not let satellites eat the buffer
If a satellite coin runs up and its weight looks fine while cash has been spent down in daily life, the book is not “balanced.” Restore cash before chasing weight perfection.
Review after large HKD transfers
Bonuses, property deposits, and tuition payments should trigger a mini review even outside the quarterly cadence.