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Personal Investments • What to do when investing timeline is murky?

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but for sure, I need our college funds to grow …
It's too late for that. At least money market has had decent returns the last few years. And at least you have a conservatively invested account to pull from if you need to for education expenses.
I have two kids, one in middle school and the other a HS junior.
Your timeline is 0-6 years for private school and 2-10 years for undergrad. Short to intermediate. Nothing murky about that.
If I take my 529 investments across all accounts, I’m invested around 65/35 with a mix of MM, intermediate bonds, domestic stock and international stock. Maybe this is already too aggressive?
With that breakdown, you've got less than $45k total in 529s. You're mostly going to end up cash flowing what you can and having the kids take out loans regardless. No point in putting what you've got saved at risk.
Thanks! And wow, good estimate … we have around $52K total across all accounts. My hope is to cover first 2 years of in-state school between cash flow and 529, then DD can contribute for years 3 and 4 (summer work) plus loans if needed, and similar cash flow. We really have tried our best and are proud of what we’ve been able to stash away, on top of paying for private middle and HS, on a modest income (at least by BH standards). But you are 100% right, preserving what we’ve saved should be the goal. I am chasing a last big win at the home stretch, which is essentially gambling and a fear/greed behavioral error.

Statistics: Posted by meadowrue — Sat Aug 24, 2024 6:49 pm — Replies 14 — Views 1358



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