529 is aftertax money. Only the capital gain is tax free.

I bought some for my kids 7 years ago.  On average I got 1.x % ROI per year.  If you consider infaltion, I am losing money on 529.

所有跟帖： 

• I remember you have limited choice for 529? -Casabella- ♀ (270 bytes) () 02/29/2012 postreply 12:35:36

• Mainly because it is inflexible. I grew our 529 from 80k to 100 -beachlver- ♂ (578 bytes) () 02/29/2012 postreply 13:57:04

• 我也是这个感觉,钱投进入,没法控制产出.跟401K还不一样,如果公司MATCH,就放点,最好也不要让他们操做. -pretty_woman2- ♀ (59 bytes) () 02/29/2012 postreply 13:46:16

• 当然可以省点税...反正不是投资,是保本吧,所以有更好的选择的话,就别放了. -pretty_woman2- ♀ (0 bytes) () 02/29/2012 postreply 13:47:46

• 省赠值后的税,不过401K是抵税前的税.所以还看你有那个需求. -pretty_woman2- ♀ (0 bytes) () 02/29/2012 postreply 13:59:19