Where to Park Money You’ll Need in 2–7 Years Guide and Spreadsheet

This product is a complete, ready-to-use system for managing medium-term money—money with a real deadline and real consequences if markets move against you.

It’s designed for funds you’ll need in 2–7 years, where traditional advice (“keep it in cash” or “just invest it”) creates unnecessary risk or erosion.

Included in this download:

• A full-length ebook explaining the why behind medium-term portfolio design
• Three distinct portfolio frameworks, each built for a different risk tolerance
• Historical stress testing across multiple market environments (including 2008, 2020, and 2022)
• A working spreadsheet that:
  • Tracks your current allocation
  • Calculates under- and over-weight positions
  • Guides new contributions without emotional decision-making
  • Supports buy-only rebalancing or full rebalancing when needed

This is for you if:

• You have money earmarked for a specific goal in the next 2–7 years
• You want better outcomes than cash without gambling on market timing
• You care more about meeting the goal than maximizing theoretical returns
• You prefer rules and systems over constant decision-making
• You want something you can actually stick with during market stress

This is not designed for:

• Emergency funds needed in under 2 years
• Long-term retirement investing (10+ years)
• Active traders or performance chasers

This isn’t a watered-down retirement portfolio.

These portfolios were designed specifically around drawdown control, recovery time, and behavioral sustainability, not just long-term averages.

Where modern ETFs didn’t exist historically, long-running proxy funds were used to evaluate comparable behavior—so results reflect how the strategy would have behaved across real market stress, not just recent bull markets.

This is designed to replace years of trial-and-error—and prevent one poorly timed market drawdown from derailing a major life goal.

Format:

• PDF ebook
• Spreadsheet (Google Sheets / Excel-compatible)

Access:

• Instant download after purchase
• Yours to keep and reuse

Updates:

• Minor updates included if the system evolves

Disclaimer:
This is an educational resource, not personalized investment advice.