대학 학자금 저축: 529 플랜 및 투자 전략

### 대학 학자금 저축: 529 플랜 및 투자 전략 탐색하기
* 💰 큰아이가 14살인 비키는 **529 플랜의 복리 적립 기간 제한**에 대한 우려를 제기하며 대학 학자금 마련을 위한 최선의 방법에 대해 문의합니다.
* 📊 조지아주와 같은 일부 주에서는 투자 기간이 짧아도 저축액을 늘릴 수 있는 세금 공제를 제공하므로 **부모는 529플랜에 대한 주별 인센티브**를 확인하는 것이 중요합니다.
* 🌱 529 플랜의 장점은 **과세 유예를 통해 적격 교육 비용으로 사용할 경우 세금 부담 없이 자금을 불릴 수 있어** 단기 적립금도 유익하다는 점입니다.
* ⏳ 대학 전과 대학 시절을 모두 고려할 때 8년이라는 기간을 고려할 때 **529에 투자하는 것은 몇 년만 투자해도 비과세 수익**을 얻을 수 있으므로 여전히 실행 가능한 옵션입니다.
* 📉 일부 펀드는 당장의 대학 학자금 마련을 위해 **보수적으로 투자**해야 할 수도 있지만, **장기적인 투자에는 더 공격적으로 투자**할 수 있습니다.
* 🔍 529 플랜의 연령 기반 투자 옵션을 활용하면 **대학 진학 시기가 다가올수록 자동으로 보수적으로 조정**되므로 위험을 관리하는 데 도움이 됩니다.
* 💡 궁극적으로 부모는 자신의 재정 상황과 위험 감수성을 평가하여 **단기, 중기, 장기 목표의 균형**을 맞추는 동시에 다양한 투자 전략을 고려해야 합니다.

학부모는 세제 혜택과 잠재적 성장 가능성으로 인해 시간이 제한되어 있더라도 대학 저축을 위한 529 플랜을 고려해야 합니다.

[Music] okay, we do have a question queued up from Vicki. Ready for it? Yes, ma'am. All right. She says, Is it better to save cash for college once kids reach a certain age? For context, we are finally at the point where we can put money aside for college, which is awesome, but their oldest is 14, so they don't have quite as much time for that compounding growth in, you know, a 529 or something like that. What would you say to parents in that situation? You know, I get this surprisingly. I actually get this question all the time. It makes sense. Yeah. Do I even need to do a 529? Is it even worth it? And this is what I tell people. First of all, Vic, you need to look at your state. Is there an incentive for you to make contributions to your 529s? Like, if you live in the state of Georgia, even if you only have a short time period, you get a state tax deduction for putting money into the 529. So, number one

that's like something you should look at, but number two, why do we like 529 assets? Why are they valuable? Well, because you can put the money in, and it can grow tax-deferred. And if you use it for qualified educational expenses, it's completely tax-free when you pull it out. So, even if you only put it in for one year or two years, and it is even in like a very conservative age-based investment option, and you make 5% or 6%, that's still 5% or 6% that's tax-free. So long as it's not incredibly cumbersome to open the account and pay the money out. And like at 14, you got to think, I've got four years until my kid starts college, but there's also going to be another four years while they're in college. That's like an eight-year time horizon. I would call that like medium to intermediate term. I don't think it's crazy. Now, if your child was 17 or 18 about to start their freshman year, is it

Make sense to fund to 529 maybe not, but I think even with three, four, five years out, I don't think it's crazy to do it. You just got to figure out how much makes sense and how logistically difficult will it be to get the dollars in there. Agree, disagree? No, I thought you covered a lot. You had tax benefits. I was go check your state. Saving for college.com used to be a great resource for that if you're looking for some place to go check it out. The I immediately, and I love that you just did what you said. You said if you add on the four years that they are like four to five years they're in school, you might be at eight to nine years time horizon here. And I don't know if it's a human condition where we always think in binary terms, is it's zeros and ones, meaning that I'm either going to go cash or I'm going to go wide open. That fortunately in finance, you don't have to.

be binary with your decisions. You can actually be what we call diversified, and there's nothing wrong with you. Yes, now with four years, you know knowing that some of that, a portion of that money is going to need to be ready to serve and actually pay for the college in four years. You probably want that to be somewhat conservative 'cause that's definitely short to midterm in its time horizon. But as Bo shared that Junior and Senior year, that's clearly long-term. So why couldn't you have a little diversification going on where you have some equity investments for those years and then every year, but it's got to put you, it's got to give you homework, it's going to be on your shoulders to make sure that you are dialing down that risk profile. Now look, you probably could go ahead, a lot of 529s do have age-based programs. One, somebody in the chat just said, Hey, what if I put the money in and the market

drops 30%. Yeah, and I don't mind sharing that. You know, I put my daughter's, my oldest daughter, is a junior in college now, or rising junior, goes back in like 3 weeks. And it's interesting to me, CU. I did the age-based 529 option for her. It does get pretty conservative pretty quick. I will tell you that. But if you don't feel comfortable taking that, handling that responsibility, you can choose the age base. They're going to dial down the risk appropriately through that glide path. But if you want to look at this, break it into what's short-term goals, what's mid-term, and what's long-term, and invest accordingly through diversification, I think that's great.

Save for College Now or Wait? (Our Oldest Is 14—What’s the Best Strategy?)

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대학 학자금 저축: 시기 및 전략

529 플랜은 세금 혜택과 잠재적 성장 가능성을 제공하므로 대학 학자금 저축은 짧은 기간이라도 유리합니다.

529 플랜에 대한 주정부 인센티브가 있는지 확인하는 것이 중요합니다.

8년이라는 기간을 고려하면 지금 저축을 시작해도 상당한 효과를 볼 수 있습니다.

대학을 위한 529 플랜 자금 지원

대학을 위한 529 플랜에 자금을 지원하는 것은 몇 년이 남았더라도 현명한 선택이 될 수 있습니다.

세금 혜택을 고려하고 주 정부에서 제공하는 지침을 확인하는 것이 중요합니다.

저축 기간은 8년 또는 9년으로 늘어날 수 있으며 현금 또는 전액 투자 중 하나를 선택하는 것 외에도 유연한 재무 전략이 있습니다.

대학 저축의 다양화: 균형 잡힌 접근 방식

대학 학자금 저축을 위해서는 투자처를 다양화하는 것이 중요하며, 단기 및 중기적 필요를 위해 필요한 자금의 일부는 보수적으로 투자해야 합니다.

주니어 및 시니어 시기에는 주식 투자를 고려할 수 있으므로 균형 잡힌 위험 프로필을 만들 수 있습니다.

529 플랜의 연령 기반 프로그램도 투자 전략 관리에 도움이 될 수 있습니다.

대학을 위한 투자: 개인적인 관점

연사는 보수적인 접근을 위해 연령 기반 529 옵션을 사용하여 딸의 대학 기금에 투자한 경험을 공유합니다.

단기, 중기, 장기 목표에 맞는 투자 전략을 선택하는 것이 중요하다는 점을 강조합니다.

대학 기금 투자에서 위험을 관리하기 위한 핵심 전략으로 다각화가 강조됩니다.