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Old 11-22-2020, 08:49 AM
  #8  
Winston
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Joined APC: Jul 2015
Position: Skeptical
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529 plans are almost all extremely conservative in their allocation. Over a 20 year-ish period you’ll have a time horizon to even out the ups and downs and will have a much greater likelihood of success investing in a straight SP500 index fund. Then you can help junior pay for whatever you want (college, housing, travel abroad) with no restrictions from a greater nest egg, even with the tax implications.

Whatever you do: create a plan and diligently stick to it.
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