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My one year old’s 529 is down over 18% right now.

Admittedly, we just picked the vanguard age based portfolio (0-2) and understand that her age makes it more aggressive as this one is all stocks.

We picked the Illinois bright start plan because of the (albeit small) tax benefit and it had good ratings from Morningstar.

Anyhow - we are wondering if we should put her Christmas gifts (and frankly her current balance of a couple thousand dollars) into something else for a bit? Or perhaps change the portfolio up?

It’s so much easier to stomach when 401k fluctuates because the employer match has always meant positive growth regardless of the market. I feel sad that our child’s college savings have headed wrong direction and want a sanity check on the best course of action at this juncture.

Thank you for your input.



Submitted December 26, 2018 at 05:17PM by Acb324 http://bit.ly/2rVtfIF

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