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URL:  http://boards.fool.com/while-were-on-the-subject-of-no-brainers-why-in-30533530.aspx

Subject:  Re: Why Not Take Gains in UTMA? Date:  2/9/2013  9:42 AM
Author:  MurrayS Number:  117704 of 121144

While we're on the subject of no brainers, why in the world do you have a bond fund in a 12 year old's account?

We're targeting the money for college expenses. I don't want to be forced to sell shares of a stock fund during a down turn.

-murray
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