We started moving 529 funds into cash equivalents when the beneficiary started high school. We had everything in cash equivalents by the time college started. We were using stock and bonds funds up to that point, not target date.
As others have noted, the target date funds will get more conservative by design as your child ages.
Fortunately with 529s, there are no tax consequences to changing investments within the plan. So you can switch out of the target date fund at any point.
As others have noted, the target date funds will get more conservative by design as your child ages.
Fortunately with 529s, there are no tax consequences to changing investments within the plan. So you can switch out of the target date fund at any point.
Statistics: Posted by delamer — Thu Mar 21, 2024 8:48 pm — Replies 11 — Views 439