wrong. A special rule for 529 plans allows a lump-sum contribution of up to five times the annual exclusion amount to be treated as if it were made over five years. In 2025, individuals can make a one-time contribution of up to $95,000 to a 529 plan for a single beneficiary without incurring gift tax, by electing to treat the contribution as if it were made over five years. For married couples, this limit is doubled to $190,000. This strategy allows for a larger contribution than the annual gift tax exclusion of $19,000 per individual and $38,000 for married couples.
vanny886 发表于 2025-07-25 16:33 现在存没啥意义，一个是all time high 你又马上要用，风险太大，你要有roth不如直接从roth出，一样免税，529可选的基金太少了，更难timing，那几个基金这一年估计难保5%的利息，说不定还不如你在外面投资交完税收益高 不过看完这个帖子很有启发，立马给娃开了个！
Dadaobz 发表于 2025-07-25 16:04 wrong. A special rule for 529 plans allows a lump-sum contribution of up to five times the annual exclusion amount to be treated as if it were made over five years. In 2025, individuals can make a one-time contribution of up to $95,000 to a 529 plan for a single beneficiary without incurring gift tax, by electing to treat the contribution as if it were made over five years. For married couples, this limit is doubled to $190,000. This strategy allows for a larger contribution than the annual gift tax exclusion of $19,000 per individual and $38,000 for married couples.
而且超过了也不是就要交税，而是超过部分记入每人15M的lifetime gift tax exclusion额度
这是买了个股了吗？哪个529可以这样操作？529都只能买target fund,一般好一点的年收益10%，算下来就是涨了一倍。
没，主要是heavy in growth funds, 这个过去十年正好遇到QQQ大涨，运气
念UF，州外学生准备4万多。 要么去申请一些竞争激烈的merit scholarship.
不知道房市哪一天跳水， 投资房的未来不太好说
超过部分要报给IRS，count against lifetime gift tax exemption which is around 15 million 。我这个普通家庭应该暂时不用担心会超出这个金额
大聪明。国会早就想到了
为什么说是三瓜俩枣
你应该看buy borrow die。和你说的差不多，针对股票的
这么多年看529的帖子，必有回复说影响奖助学金
只能转35k,如果存了私校的40-50万，剩下的钱还很多啊
wrong.
A special rule for 529 plans allows a lump-sum contribution of up to five times the annual exclusion amount to be treated as if it were made over five years.
In 2025, individuals can make a one-time contribution of up to $95,000 to a 529 plan for a single beneficiary without incurring gift tax, by electing to treat the contribution as if it were made over five years. For married couples, this limit is doubled to $190,000. This strategy allows for a larger contribution than the annual gift tax exclusion of $19,000 per individual and $38,000 for married couples.
我们现在是这么干的。529里钱我们一分没动。手头现金没有好的投资渠道，不如付学费。529如果用不掉，就给第三代留着。
如果第二代说不会有第三代呢？
529的钱不行的吧，不是只能用于教育吗？
除了教育经费还可以有什么其他用途？
需要那么多教育经费吗？1.3M用不完咋办？
说得好像楼主这样一个娃的情况一定会有孙子似的。
老实讲，我们也没有想到会涨成这么多
529最开始不要选target fund。选500 index
而且超过了也不是就要交税，而是超过部分记入每人15M的lifetime gift tax exclusion额度
别选target fund，选跟踪标普500的，肯定有
可以问一下哪年开始存的吗？
用不完的529可以convert to ROTH IRA, 限额是三万五。你们这个也涨得太好了，羡慕
不能买个股但是可以买fund啊，比如 Vanguard 500 index。怎么会不涨啊？ 我这可怜的11万上个月就涨了4000刀啊，还是grow tax free。4000刀够付娃一年在学校的医疗保险了。如果像前面一直在存的MM那样，就涨得更多了。
老大的账号快15年了，开始几年没拉满，房贷有压力，后面几年收入涨了，直接拉满到每个小孩20万，就没有再存，当然投资有风险，尤其美股现在高位