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[quote=Anonymous][quote=Anonymous]My kids' YTD return is poor (but I shifted to a less risky allocation once the 529 balance hit my target, so it's only down 1.2% YTD), but the overall return over ten years is stellar.  I just pulled it up, and that account has $ 123k in earnings, which isn't that much less than the amount in principal.  I use Utah and have it in a custom static allocation and use vanguard funds. [/quote]

We have ours in Utah. I think we had something like 150k in gains over 18 years so that half of the account balance was growth. We moved to cash when DC was a junior in HS once we knew we had enough saved. The 529 def worked for us. For those complaining, 1) stay the course during this tough year. We did during the 2008 and 2009 downturn. 2) manage your investments within the account! Unless in HS, you shouldn’t be in cash or conservative rn, you should be investing more actually to buy the dip! 3) I never did the age related funds and I’m glad I didn’t because those options always underperformed. [/quote]

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