Reply to VA 529 has been flat, what to do in coming 1-4 years

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I've got a 2025 grad as well in VA529.  We did the Prepaid VA529, and hope DC will choose an in-state college.  We also have the Invest VA529, and that has been in 70% US Market index and 30% International Index - and that has done great over the years.

I still have the invest portion fully invested in the market at the same percentages since I assume I still have 4-5 more years to recover if the market does anything wrong since we will be using the prepaid for the first 4 years in some capacity.

This prompted me to breakdown my VA529 Prepaid investment returns versus my VA529 Invest portion over the past 17 years.  So if you are curious, the PrePaid we had (no longer available in the same form) was a $38K investment (now worth $47K if we take out in cash) but if DC attends UVA @$88K - that is 228% increase, VT @ $74K is a 191% increase, and VCU @ $68K is a 176% increase.

The VA529 Invest accounts has increased 232% in the past 17 years, adding money monthly.

So I guess it is kind of a wash as to which performed better.  The security of having in-state paid for no matter the market conditions is nice, but less advantageous if DC attends a less expensive in-state college.

If I had done only the US index (277% increase), and not any of the international index (159% increase), the VA529 Invest would have been the clear winner.

Although I'm tempted to take the VA529 Invest and put it into something safer, I know it still has potential for a few more years.[/quote]

Where are you getting your tuition and fees numbers?  VCU's is higher than VTs.

UVA is currently $20,923 times 4 = $83,692, so that is kind of close to your $88K
VT is currently $15,950 times 4 = $63,800, which is not close to your $74K
VCU is currently $16,720 times 4 = $66,800, is very close to your$68K, but still different

https://www.virginia529.com/invest/tuition-track-details/#ttp-calc[/quote]

DP. You left out tuition inflation in your calcs above. [/quote]

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