I started a 529 plan for my 2 year old two years ago. I wouldn’t sweat it. It’s gonna take awhile for her to use it.
Also 529 are fully transferable, so for instance if you decide you wanted to go back to school, you could change the beneficiary on it to yourself.
In the long run, I don’t think you need to worry about it. Typically, you can pick a few safter investment choices in the 529 (doesn’t have to be all stock).
