Here’s a quick framework you can run through each swing: 1. Identify the target reserve ratio (e.g., 15 % of total liquidity). 2. Measure current buffer (current reserves ÷ total liquidity). 3. If the buffer is above target, earmark the excess for reallocation: a. Move 5 % of the excess into low‑volatility instruments. b. Keep 5 % in highly liquid cash for immediate drawdowns. 4. If the buffer is below target, sell a proportion of higher‑risk holdings to raise the reserve, but limit sales to 3 % of total holdings per cycle to avoid slippage. 5. Reassess every week: recalc buffer, adjust the 5 % and 3 % parameters based on recent volatility. 6. Log every movement and the rationale; keep a one‑page dashboard that shows current ratio, target, and variance. This keeps the buffer predictable while still allowing the portfolio to grow.