Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plan Asset Allocation for Long Horizons
Most parents treat 529 plans like checking accounts, but the math says otherwise. We break down why asset allocation shifts matter more than contribution size over a fifteen-year horizon. Using the specific glide path mechanics of Vanguard’s Education Savings Fund as our anchor, we explain how to balance inflation risk against market volatility. If your child is still in elementary school, you are not saving for tuition—you are building a ten-year compound annual growth rate engine. We discuss rebalancing triggers, state tax deduction cliffs, and why keeping too much cash in a 529 plan during…
The skinny
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