FLU, at our next lunch I want to pick your brain on this issue. With 10 current grand kids and a projected 14 when it’s all said and done, education 529’s are on my front burner. I’ve got them all on Scholarshare with a 50/50 blend of S&P 500 and age appropriate (lowers risk as they get closer to college). I have my fears about the market and about sibling transfers. They are all very different even at young ages and I can see some show aptitude, but some do not. I have misgivings about “betting” on some kids and not on others when my kids defied predictions in different ways. I made huge errors in saving for my kids college, trying not to repeat that and hopefully you ca help.

p.s., don’t buy EE bonds for college, when you cash them in you are taxed on the profits if you earn over 6 figures. Doesn’t matter what you earned when you bought them, it only matters when you cash them in. Learned that one the hard way.