回复 1楼elly99的帖子 哇学习了，原来真的可以，529比我想象的还好用。 There are a few special exceptions to the 10% penalty rule, including when the beneficiary becomes incapacitated, attends a U.S. Military Academy or gets a scholarship. In the case of a scholarship, non-qualified withdrawals up to the amount of the tax-free scholarship can be taken out penalty-free, but you’ll have to pay income tax on the earnings. As Savingforcollege.com founder Joe Hurley likes to say, “the scholarships have turned your tax-free 529 investment into a tax-deferred 529 investment”. 529可以change beneficiary for unlimited times. 你孩子用不完可以给你的孙辈。
哇学习了，原来真的可以，529比我想象的还好用。 There are a few special exceptions to the 10% penalty rule, including when the beneficiary becomes incapacitated, attends a U.S. Military Academy or gets a scholarship. In the case of a scholarship, non-qualified withdrawals up to the amount of the tax-free scholarship can be taken out penalty-free, but you’ll have to pay income tax on the earnings. As Savingforcollege.com founder Joe Hurley likes to say, “the scholarships have turned your tax-free 529 investment into a tax-deferred 529 investment”.
529可以change beneficiary for unlimited times. 你孩子用不完可以给你的孙辈。
丁克咋办？
你自己老了也可以读书，也可以转给另外的孩子
Fidelity的话可以买NH的那个跟踪SP500的
为啥不买自己州的？还可以省州税 我就在几个基金里选了SP500，one year return 30.3 perc
fidelity里面没有自己州的。选择很少
那为啥在Fidelity开户呢
丁克存529干嘛? 大家要存也是娃出生后再开的账户吧，没见哪家那么超前的
娃可能想读研究院呢。还可以给大家庭里很多人，包括你自己（退休后如果想在大学里上课的话），娃的cousin等等。
投资账户都在fidelity，好管理。
他指他给孩子存了529，但孩子不需要因为孩子拿了奖学金，有人建议给孙子。那如果孩子丁克，就没有孙子可言。
加州的定投了一年，10%，绑定sp500的large corp equity