Really, it isn’t like you take the whole lot out at once, lets assume you are just paying the first semester in fall, your fantasy (sorry) about some big rebound is only going to be short 1/8th or so of your whole 4 yr investment. Your 7/8ths will be enjoying the big gains. Or not. If I had all high risk investments for a kid going to school this fall, needing that money, I would have acted weeks back. If you’re happy for it to all be in high risk, then you are probably not relying on it for this fall.