Investment options (for 529) - aggressive v reg

[SJ]

What did you do in 2008? Did you pull out your money and stop contributing when you felt queasy? Or did you keep it up and buy at the lows?

I don't think kids' money should be sitting in cash (no point in tax deferral then) and I have a hard time buying bonds right now because rates are so low (and therefore prices are high)

I would put the money in the aggressive age based fund and just periodically buy/contribute in order to dollar cost average.

[Deleted]

I have Utah and chose customize static. I believe my choices have done well.

[SJ]

Oct 4, 2012 17:55:12 GMT -5 farmvillelover said:

And no, in 2008 we just threw as much $ as we could into the market and maxed our retirement options.

Good! That is very much the answer I was hoping for.

[SJ]

Oct 4, 2012 18:03:51 GMT -5 farmvillelover said:

Years later I'm glad we did what we did but I just can't shake the shittiness that 2008 was for investments.

Oh I know. It left major scars on everyone!

[atouchofklasse]

Our has life cycle funds (TIAA CREF) so we went with that.

[atouchofklasse]

Yep there's a 0-3 age fund that changes allocation as the years progress.

[Deleted]

Oct 4, 2012 18:03:51 GMT -5 farmvillelover said:

Oct 4, 2012 17:57:06 GMT -5 d0ri said:

I have Utah and chose customize static. I believe my choices have done well.

What is the static option dori?

It's like a 401k where you have a list of funds to choose from and you decide the allocation. Here's the link to it:

www.uesp.org/Customized-Static.aspx

[SJ]

Farmer, all of the options on that link you posted are age-based, meaning they shift as Baby gets older. Basically it does the allocation work for you.

Dori was talking about the static funds, which don't change until YOU change the allocations

www.uesp.org/Investment-Info/Static-Investment-Options.aspx

[Deleted]

Oct 4, 2012 18:14:20 GMT -5 SJ said:

Farmer, all of the options on that link you posted are age-based, meaning they shift as Baby gets older. Basically it does the allocation work for you.

Dori was talking about the static funds, which don't change until YOU change the allocations

www.uesp.org/Investment-Info/Static-Investment-Options.aspx

I was talking about one of the customized options (custom age based OR custom static).

[Deleted]

LOL. Utah has 4 aged based options, 6 static options and 2 custom options. I chose the custom option (static) since I wanted to choose the funds and choose the allocations.

[cjeanette]

I do agressive age based for my kids

[Deleted]

He's a baby.

Aggressive.

You have a ton of time.

[whitepicketfence]

We're invested in the aggressive age based option in both of our kids' 529 plans. They've done pretty well thus far.

We've got the PA plan though.

[Deleted]

Oct 4, 2012 17:49:59 GMT -5 SJ said:

What did you do in 2008? Did you pull out your money and stop contributing when you felt queasy? Or did you keep it up and buy at the lows?

I don't think kids' money should be sitting in cash (no point in tax deferral then) and I have a hard time buying bonds right now because rates are so low (and therefore prices are high)

I would put the money in the aggressive age based fund and just periodically buy/contribute in order to dollar cost average.

This is what I did.