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楼主贴：
在准备砸锅卖地给孩子上大学的计划被无情的毁灭之后,犹豫多年,终于决定给他们开529了.
我上周3在他们的网站上开了2个529 帐号,第二天就把钱也从网上转过去.到现在还没有买到FUND!!我都快被他们折磨疯了!
其间打了5个电话,每个人都告诉你不一样的INFORMAITON!!
1)被告之,如果买进的FUND,就不能再TRANSFER到别的FUND里.(就是说买了就买了)
2)每年只能设一个DEDAULF的FUND ALLOCATION,新进的钱只能进这个DEFAULT,如果想用新进的钱买别的FUND,必须给他们填表(REGULAR MAIL)寄信件过去.
3)一个ADULT每年只能给12K,多了要TRIGGER GIFT TAX,FEDILITY不能帮你控制.
但是没有别的办法,这是唯一剩下赢利不用上税的渠道
| 灌水1： yes you can open 529 account in any states. if you
have more than 1 kids, you may consider to open 2 accounts with different states. I am thinking to open another one with Utah next year.
1) you can transfer fund from fund or relocation once a year ;
2) you can allocate to different funds for monthly auto deposit.
3) Max: either $60K in 5 year or $12K per year.
I deposited more than $30K the first year, no problem.
BTW, mine is with T. Rowe Price Alaska. Didn't do much research, but i am ok with them. Pretty user friendly. | 灌水2： The limit should be much higher than 12k
I am in Texas. I put down 65k last year for my son's account. For joint account, the amount is > 120k.
I selected age-based funds which are well balanced and the allocation is adjusted periodically. I feel the age-based funds are maintience free. My plan is to put the money in the account and let them be. For the last 3 years, the average yearly returns are about 10%.
| 灌水3：为什么说529计划都是假的?
主要是美元的长期走弱会使得实际购买力下降很多.
虽然股市的长期赢利会比通货膨胀高一点,但那取决于:
1)你选择的M.F.Performance
2)Management Fees (That is compounded over the years)
3)Overall US Economy performance.
4)The choices of M.F. in the 529 plan
投资股票,其实是投资在一国或一个工业的赢利前景上.
如果你的529中有GLOBAL M.F. 那会比US M.F.好.
但主要的危险是美元的前景.美国9 TRILLION的国债, 加上30 TRILLION的社会福利, 逼得美国的货币政策没有别的选择:
1)大量的通货膨胀来减少债务. 那你的529很可能赶不上通货膨胀.
2)大幅的提高利率来减少消费,减少外贸赤字.但那会造成房地产崩溃和萧条. 股市也要暂时萧条.
对政府来说, 2)是政治自杀. 1)是容易的选择. 所以我说529有很高的概率是得不偿失.
最终,是你相信将来的前景会是怎样. 我的说法仅供参考.
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