529, 也叫 529 Plan, 还叫 Vanguard 529 Plan,是一个我认为比较好的投资普兰! ![What Is a 529 Plan? | RamseySolutions.com](data:image/jpeg;base64,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)
今天有朋友问我:“牛哥,你有没有买 529 呀?” 额地那个大神呀,我家娃再过两个月就大二了,如果没有买,那还能来得及吗?我肯定是买了 529 呀,谁家生了娃不买 529 呀?不买529的家庭只有三个原因:第一,家里 Old Money 太多花不完,根本没有必要作什么投资计划,第二,压根儿就没有想让孩子上大学,孩子自由生长,自生自灭,由他/她去吧!第三,无知加财迷,舍不得花小钱不懂得适应美国社会不懂得接受新鲜事物也不懂得学习。当然,也许还有第四条、第五条、第六条,那是我想不到的,抱歉! ![Everything You Need to Know About 529 College Savings Plans in 2021](data:image/jpeg;base64,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)
我自己是从孩子出生之前就开始学习研究有关孩子上大学的事情,当然, 529 也在考虑范围之内,所以,十九年前就开始投入 529, 到现在,不敢看了。 ![Back to School: ABC's of Tuition Savings 529 Plan](data:image/jpeg;base64,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)
529 的好处多多,投了529, 就想起了愚公移山,这个 529 链是一直可以传下去的。 ![529 Plan: All You Need to Know About 529 College Savings Plans | Real Simple](https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSCV6eTN0Zo2C4yTkjX229ViDauhVl8VpSfiQ&usqp=CAU)
当然,我也和朋友谈到过 529,人家说:“我们不买。”不过,人家孩子现在上高中了,也有大把的钱,买不买没有关系。我当时买是居安思危,如果当年不买529,现在最差也就是多出个几十万呗。有的人有钱,不在乎,但是,我有钱的时候,我在乎。 ![Are You A 529 Genius Quiz | T. Rowe Price](https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcRPQUZ5nSi4esn2kbsAU4XuN8pd5ZFGeZfZTA&usqp=CAU)
529 很好玩,反正,我自己投了 529,没有后悔过。 ![The Ins and Outs of 529 College Savings Plans | Road2College](https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQCrH6nRDzFWZsOfL1DXPM9RaIL6fq69MCQ8A&usqp=CAU)
又想起了 Italian Job 里面的另外一句名言:“Don't spend it,Invest it!”Invest 进去的不仅仅是金钱,还包括智慧! 我女儿最近常常对我说的一句话是:“谢谢你给我的智慧!”我听了之后,心里很爽! 给新进当爹妈的一句忠告:买529吧! 《版权五二九所有,翻印赶紧买不究》 |