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canonian: "My first kid is starting high school this year and kid #2 is 2 years behind."

I will offer a slightly different perspective.

You will need these funds 4, 5, 6 and 7 years from now for kid-1 (ignoring the semester issue), and then in years 6, 7, 8 and 9 for kid-2 (still ignoring the semester issue).

IOW, you need 1/4 of the funds within 5 years and 1/2 of the funds in years 6 & 7, and 1/4 of the funds you will not need until 8 or more years from now.

I am not sure that you need to be entirely out of the market with 100% of these funds, especially those that you do not need for the next 8 years. Clearly those within 5 years are understandable, and the 1/2 need in years 6 & 7 are more debatable, though you could perhaps leave them in the market for another year or two.

Regards, JAFO
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