Reply to Help me decide: $20k in I Bonds or $20k in VOO?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We are mid 30s, came into some cash this year (low six figures), and have done a similar approach… a little here, a little there.  For us that’s our brokerage, kids 529s, and ibonds.  We have spread out the brokerage purchases over time, every couple weeks.  The approach gives me the most piece of mind.

I am curious - you said you are maxing 529s, what does maxing mean?  There is no limit, but there is a cap to the tax benefit depending on your state.[/quote]

That approach makes sense to me - I hope to do something similar. 
We are in VA so doing $8k per kid per year ($16k/year), for the “max” VA state benefit of $4k/account/person. Right now the 2 year old has $27k and the 9 month old has $11k in their accounts. We intend to keep this approach for the years to come so even though the #s aren’t big yet, I don’t necessarily want to put more in those accounts now.

What are you doing for your 529s?[/quote]

We are only doing $250/month per child - both are a year older then yours - but added 15k each from the cash I mentioned to help front load.  I am concerned about the college landscape changing before they go, but also recognize that significant reform is h likely.  So we want to be prepared but may contribute some from our brokerage or cash flow at the time.  We are in MD so minimal tax break.[/quote]

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