Reply to How much to put into 529s?

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[quote=Anonymous][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]

Pardon my cluelessness, but what are growth funds, if I don’t see any option by that name? Can I replicate that through a combo of stocks and bonds?[/quote]

NP. I’ve just chosen the VA stock index fund for our 529 accounts. Returns have followed the market for the 8 years we’ve had them opened.

And since the market has been up since 2016 we are very satisfied with our returns. [/quote]

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