## What this models
Changing the household's investment risk profile and/or savings rate from a chosen year — for example
dialing risk down toward retirement, or saving more aggressively while still working.
## Maps to module(s)
- `change_investment_strategy_v1` — set `calendar_year`, `annual_savings_rate_pct` (0–100), and
`investment_risk_profile`.
## Information needed
- The year the change takes effect.
- The target risk profile, one of: `aggressive`, `moderately_aggressive`, `moderate`,
`moderately_conservative`, `conservative`, `checking` (cash-heavy), or `savings` (savings-heavy).
- The annual savings rate is optional — omit it for a risk-only change and the household's current rate
is kept automatically. Only ask for it if the user wants to change how much they save.
## Defaults & assumptions
- Map plain language to the closest profile (e.g. "lower risk" → `conservative` or
`moderately_conservative`; "more aggressive" → `aggressive`).
- If the user changes only risk, reuse their current savings rate.
## Prerequisites
- A completed baseline plan.
## How to summarize to the user
"From {YEAR}, switch to a {PROFILE} investment strategy{ and save SAVINGS_RATE% per year}."
Educational content only—not personalized investment, tax, or legal advice.