關於529計劃-- 各路意見集錦

樓主貼： 在準備砸鍋賣地給孩子上大學的計劃被無情的毀滅之後,猶豫多年,終於決定給他們開529了. 我上周3在他們的網站上開了2個529 帳號,第二天就把錢也從網上轉過去.到現在還沒有買到FUND!!我都快被他們折磨瘋了! 其間打了5個電話,每個人都告訴你不一樣的INFORMAITON!! 1)被告之,如果買進的FUND,就不能再TRANSFER到別的FUND裏.(就是說買了就買了) 2)每年隻能設一個DEDAULF的FUND ALLOCATION,新進的錢隻能進這個DEFAULT,如果想用新進的錢買別的FUND,必須給他們填表(REGULAR MAIL)寄信件過去. 3)一個ADULT每年隻能給12K,多了要TRIGGER GIFT TAX,FEDILITY不能幫你控製. 但是沒有別的辦法,這是唯一剩下贏利不用上稅的渠道

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：為什麽說529計劃都是假的? 主要是美元的長期走弱會使得實際購買力下降很多. 雖然股市的長期贏利會比通貨膨脹高一點,但那取決於: 1)你選擇的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 投資股票,其實是投資在一國或一個工業的贏利前景上. 如果你的529中有GLOBAL M.F. 那會比US M.F.好. 但主要的危險是美元的前景.美國9 TRILLION的國債, 加上30 TRILLION的社會福利, 逼得美國的貨幣政策沒有別的選擇: 1)大量的通貨膨脹來減少債務. 那你的529很可能趕不上通貨膨脹. 2)大幅的提高利率來減少消費,減少外貿赤字.但那會造成房地產崩潰和蕭條. 股市也要暫時蕭條. 對政府來說, 2)是政治自殺. 1)是容易的選擇. 所以我說529有很高的概率是得不償失. 最終,是你相信將來的前景會是怎樣. 我的說法僅供參考.