Subject: Re: NH NL rising
You actually have a COMPLETELY different problem.

Conservation of balance should be paramount really - but one cant dictate risk appetite for others.

FWIW ..... My daughter's is completely switched to safe since she's a freshman. While on the other hand we have a UTMA brokerage - and much better control over it. Which is what I used for BCC switching.

In your case I think you should cover for first year of Grad school expenses. Which gives you a 3+ year horizon.

The balance if you utilize to switch as Risk On/Off - provides you with a cushion as well opportunity for future returns.

Does that make sense?

best