Comments on: Asset Allocation for 529 Plans (and other similar scenarios) http://www.obliviousinvestor.com/asset-allocation-for-529-plans-and-other-similar-scenarios/ Investing Blog: The Oblivious Investor Wed, 08 Feb 2012 17:06:45 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Mike http://www.obliviousinvestor.com/asset-allocation-for-529-plans-and-other-similar-scenarios/comment-page-1/#comment-1683 Mike Tue, 23 Jun 2009 12:43:03 +0000 http://www.obliviousinvestor.com/?p=4900#comment-1683 Hi Rhianni. Thanks for stopping by to comment. It seems to me that the problem with that plan is that there's a big difference between retirement (where you spend the money over an extended period) and something where you spend the money all at once. In other words, college 10 years from now (meaning the money will be completely spent within 14 years) is very different from being 55 (at which point we sure <i>hope</i> the money isn't gone in 14 years). Hi Rhianni. Thanks for stopping by to comment.

It seems to me that the problem with that plan is that there’s a big difference between retirement (where you spend the money over an extended period) and something where you spend the money all at once.

In other words, college 10 years from now (meaning the money will be completely spent within 14 years) is very different from being 55 (at which point we sure hope the money isn’t gone in 14 years).

]]> By: Rhianni http://www.obliviousinvestor.com/asset-allocation-for-529-plans-and-other-similar-scenarios/comment-page-1/#comment-1682 Rhianni Tue, 23 Jun 2009 12:39:47 +0000 http://www.obliviousinvestor.com/?p=4900#comment-1682 Why not treat everything on the timescale of retirement? The closer you get to needing to spend your money on whatever it is you shift from stock to bonds or other safer things. So if you need college money in 10 years act like you are 55 years old and you are retiring at age 65. Why not treat everything on the timescale of retirement?
The closer you get to needing to spend your money on whatever it is you shift from stock to bonds or other safer things.
So if you need college money in 10 years act like you are 55 years old and you are retiring at age 65.

]]> By: Dave C. http://www.obliviousinvestor.com/asset-allocation-for-529-plans-and-other-similar-scenarios/comment-page-1/#comment-1678 Dave C. Mon, 22 Jun 2009 14:07:20 +0000 http://www.obliviousinvestor.com/?p=4900#comment-1678 Mike, I setup a 529 plan for my young niece with DC College Savings Plans (http://www.dccollegesavings.com/) which purchases shares from Calvert. It automatically changes allocations in the portfolio based on age-levels, 0-5, 6-10, 11-13, 14-16, 17-up. Here is a link that shows allocations: http://www.dccollegesavings.com/dcinvestmentoptions_DC529AgeBasedFunds.html Mike,
I setup a 529 plan for my young niece with DC College Savings Plans (http://www.dccollegesavings.com/) which purchases shares from Calvert. It automatically changes allocations in the portfolio based on age-levels, 0-5, 6-10, 11-13, 14-16, 17-up. Here is a link that shows allocations: http://www.dccollegesavings.com/dcinvestmentoptions_DC529AgeBasedFunds.html

]]>