I've been reading that banks have been cancelling HELOCs. I have a substantial amount that I've never used and if it was cancelled it might become a hassle to reinstate it. So, I was thinking of taking the full amount and putting it somewhere with the intent to just trade off on the interest due. That is, right now it would be 3.5%. Any suggestions on where to get 4%. I have some funds in ATOIX but the NAV can fluctuate a little and I'm not sure about that. Thanks.