Reply to How much to put into 529s?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Zero. Horrible investment choices, high fees, bad customer service, and lots of rules. 
High growth stocks, some funds because one kid is 13 and pay as needed.[/quote]

What are you talking about?  IN VA American funds whose fees are not bad and performance is great.[/quote]

Np- what?! My Virginia invest does horribly. I’m shocked at how little it’s risen. Versus my mutual funds or even my ally savings account that gets 5%. I actually lost money a couple of years ago too. It’s just atrocious. My 3 year old only has a few hundred in interest with 4 years of money put in. [/quote]

There are growth funds that have averaged over 11-12% for the last 10 years.  Why did you not put the money in those?  Couple that with the tax free growth over 18+ years and I seriously doubt you can beat those returns.    Especially if you could not find the right funds in AF 529 plan to earn at least 10% in the last 5 years. 
[/quote]

+1 Our 529 was fully funded by the time DC was a senior in high school. HALF of the fund was from investment returns. People should know that
1) You can pick ANY 529. You do not need to stick to your state one if you do not like it, and the gains don’t surpass any state deduction. We’ve been in Utah 529 for 20 years. Fees are .14% which is nothing compared to tax free gains.
2) You need to actively DIRECT your funds. Don’t just pick a target date fund. Do the research on the performance of each available investments, make your selections wisely. We were growth all the way until about junior year in high school.[/quote]

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