Reply to DC 529 - holy heck

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[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]

If you want more stock exposure, you can get it by moving some funds to the U.S. Total Stock Market Index Portfolio option.

And to the person who pointed out that Vanguard fees are about 0.2 percent lower: That is only $20 a year for each $10,000 in assets. Yes, it can build up over time, especially if you have more high balances, but fees of about 0.3 percent are perfectly reasonable.[/quote]

What about the US Large Cap Equity portfolio? [/quote]

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