Anonymous
Post 05/15/2014 07:43     Subject: Re:Help me figure out if it's worth getting non-DC 529

Returns will all be relatively close. Seek out the tax breaks, they're significant.
Anonymous
Post 05/15/2014 07:42     Subject: Help me figure out if it's worth getting non-DC 529

Don't be chasing the tax beak. Seek out returns. Compare the returns you're getting with the returns elsewhere. If elsewhere equals a higher ROI all things considered (including the tax break) go elsewhere. Pretty simple.
Anonymous
Post 05/15/2014 07:37     Subject: Help me figure out if it's worth getting non-DC 529

Do DC. Contribute $20k per kid today. 2 years after, transfer funds to a lower cost fund. Take $4,000 per kid tax break every year for 5 years.
Anonymous
Post 05/15/2014 06:07     Subject: Help me figure out if it's worth getting non-DC 529

I have 4 kids.
Child A-529 DC in my name. We get the 4000/y tax break
Child B-DC 529 in DH name for tax break
Now I am setting up 529s for children C & D.
I'm trying to figure out if it makes sense to do a non-DC 529 for either of them, as if we Max all of them out tax-break wise, yearly, will it matter? I'm thinking child D is a DC 529 in my name to extend taxbreaks, but does it make sense to do C in a higher performing one since I don't think we will benefit from the tax break of DC with that one.
A and B are 2years apart
B and C are 3 yrs apart
C and D are 4 years apart.

I feel as if this should be clear but I'm completely stumped.