<p>emeraldkity4,</p>
<p>I hope that you are right about the 6% rule for the next 4 years since DS3 will apply this Fall. The fact that CSS asks about the retirement fund makes me believe that college are setting something up. In fact, they even ask about pension. Some posters cautioned about “unsually large retirement fund” in NPC calculation. I do not know its definition. But, I think that it is just a matter of time for colleges to count retirement fund as regular investment under this economic condition.</p>