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The trust has about 67% in stock funds, 30% in bond funds. I'm don't know if any of the bonds are short-term.

What if the the price of bonds and stocks are down at the same time. Wouldn't be good to have cash in the portfolio so you don't have to sell the funds at a low price? According to an article on Charles Schwab's website you should have cash equal to about one year of living expenses:

"...set aside enough cash to cover your expenses for one year... Place this cash in a relatively safe and accessible account, such as a checking or savings account, a money market fund or an extremely liquid cash investment."

http://www.schwab.com/public/schwab/resource_center/expert_i...
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