不知道你哪一州，是 Fidelity 管理的？ 一般每个州都是自己管理的，投资选择有限，但基本选择一般都有。 Equity type: choose Large Cap equity fund, or, Stock Index fund. Not the same as SP500 index, but comparable. Fixed income: a general bond fund is enough. This type of fund tracks a very broad bond market, should be investment grade, meaning very little default risk. Market risk is about average (similar to a 5 year bond). I don''t like any Target funds.
不知道你哪一州，是 Fidelity 管理的？ 一般每个州都是自己管理的，投资选择有限，但基本选择一般都有。 Equity type: choose Large Cap equity fund, or, Stock Index fund. Not the same as SP500 index, but comparable. Fixed income: a general bond fund is enough. This type of fund tracks a very broad bond market, should be investment grade, meaning very little default risk. Market risk is about average (similar to a 5 year bond). I don''t like any Target funds. ImAbendrot 发表于 2024-01-10 20:39
http: //www.fidelity.com/529-plans/faqs-about-portfolios-investments Yes, you can change the investment instructions on any new deposits made to the account at any time. But, per IRS rules, you can only change your current investments twice per calendar year—or if you change beneficiaries—without incurring taxes. To find out more, visit the 529 plan investment options page. To make changes to your current and future investments, read How to change your 529 plan's investment instructions.
第二个问题：已经买了的target fund 可以卖掉买别的吗？ 请高人指点，谢谢
是 fidelity 管理的 问题是，我买的时候，没有看到除了target Funds 以外的 funds啊
不太可能。你没仔细看吧？
下面是我在这里看见的: https://www.fidelity.com/529-plans/investment-options
我应该是已经选了 “I want an Age-Based Portfolio that automatically adjusts" 已经有了账户了 所以现在应该怎么办？
那就把现有的investment置换成你想要的啊。我的529 plan（不是Fidelity）有限制一年两次exchange investment的机会（包括可以设定recurring sell/ buy多次完成置换，这种算作一次机会）
这些都是基金，应该可以随时买卖的？ 找客服，请她们指导你具体操作？
Yes, you can change the investment instructions on any new deposits made to the account at any time. But, per IRS rules, you can only change your current investments twice per calendar year—or if you change beneficiaries—without incurring taxes. To find out more, visit the 529 plan investment options page. To make changes to your current and future investments, read How to change your 529 plan's investment instructions.