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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Which plans would PPs recommend for early elementary aged kids? I know ours isn't the best performing, but am frozen with decision paralysis. [/quote]

A stock index fund up to the limit of tax deductibility in your state's plan and anything above that in the same fund in Vanguard's Nevada fund or a Fidelity's New Hampshire 529 depending on your preference [/quote]

Thank you. I'm looking now, and we're enrolled in the 2034 portfolio, which is 35% Vanguard Total Stock Market Index Instl Plus, 14% iShares MSCI EAFE Instl Index K, 13% Vanguard Total Bond Market II Index, and 13% Vanguard Short-Term Bond Index I, plus some others under 10%. Looks like the average is 5.29% since 2017 when we first opened it and 4.5% over the last five years (2022 was a bad year).

Does that seem good or should we find one with a higher percentage in a stock index fund? Clearly I'm not great at this, and google says we should be aiming for 60% stocks in elementary school. [/quote]

Everyone is different and everyone has different risk tolerance. Do you absolutely need a certain amount growth for your kid to attend college? If your funds take a big hit, can you make it up? My kids are early ES and we're 100% stock, but we're using the funds for tax free growth as much as anything else so we're willing to take a ton of risk. In your situation, I would either post your specifics on bogle heads - they will give specific advice and it's usually good advice or I would hire a financial planner for a one time consultation. [/quote]

Thanks, I'll check out bogle heads. We've got almost $50k in the 529 now, and will need the 529 to cover at least half of a private school tuition. Don't want DC to have to take out loans, but won't be able to pay for it all OOP. I think we're on track now, but don't want to go too aggressive or too conservative for how long we have until college. [/quote]

Bogle heads is the way to go. They'll ask you to list a lot of financial info, but there aren't really trolls and you'll get good advice. Every time I go there, I get more convinced that it's financial planners saying what they really feel [/quote]

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