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vs36deez | That is the best type of investment account to start when saving for your childs education? |
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Cão Bravo
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It depends on your tax situation, whether there are other children in the family and whether you want to give up control of the money.
Generally the Section 529 plan is the best, but you have to be careful of expenses. You can put in up to $12,000 a year. Each state has its own 529.
The Coverdell Education Savings Account has the best investment options and can be used for high school expenses, too. Limit is $2,000 a year.
If you don't want to give up control, you could save money in an account in your own name, using long-term equity investments, then give the investments to the child as college bills come due. Then the child can sell the investments at his or her own (lower) tax rate. |
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savethenewdeal
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Skip the fee based system and take control of your assets by investing money directly into big infrastructure contracters. Shell Canada, and other big oil investments are going to be crucial to the growth of private investors, especially as we reach peak oil. Also, gold is going to perpetually explode as instability grows. You don't want to risk having your money evaporate as fund managers start to use the assets of the middle class to prop up their quarterly profits, and make decisions based on their best interests, and not your child's.
-William |
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man_about_the_net
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529 Plan
By far the best for collage education
1) All interest and earning are tax free
2) Unlike a custodial savings account, the money does NOT become the property of the child when they reach age 18 (On a custodial account, you child can say, "Thanks for the collage money, but I am buying a Mustang!!!!!!!!!"
If you are saving for High School or grammar school, look into a Coverdall account. |
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batman253
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529 plan..
It acts like a IRA program to use for child's education. Take a look at any financial website and do a such on it.
The best thing about this plan is that it accumulates tax free until your child goes to college. Also, even if your child decides not to go to college, you can use the money for other purposes (you may to pay a penalty for that-not 100% sure). |
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greeneyedevil
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A Roth IRA is your best choice if you do not live in a state with a prepaid college fund. |
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truthyness
 |
Standard savings accounts can be opened at ING Direct, HSBdirect, and Emigrant Direct for free. No minimums, no fees at all. Interest rate is between 4.5-6%.
But those don't compound. You may be able to open a Roth IRA (which does compound) in your child's name and have them take the money out penalty free for higher education. If you don't have a Roth for yourself, that would be a good idea too. :-)
There's also the 529 College Plan, which you can read about here:
http://www.babycenter.com/refcap/baby/babyfinance/1263733.html
CNN also has some short tips on college savings:
http://money.cnn.com/pf/101/lessons/11/
Good luck! Education is the key. |
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Shopaholic Chick
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look into upromise.com |
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tams
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A state prepaid college fund will lock in current tuition rates so that you won't have to worry about tuition increases as the years go by...I'm not entirely sure if every state locks in rates, but mine does for state schools. CDs are also a good choice...love that compound interest and UPromise is a nice way to complement your monthly college savings. If none of these are of interest to you, a simple child's savings account could do the trick...the initial deposit is usually very small, and it will accumulate interest. Good Luck. |
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Nick C
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Start a 529 plan.
Before the kid id 10 be all in stocks.
When the kid turns 10, move 10% a year out of stock into bonds.
Whenm the kids is 15 move 105 a year from stocks into money market. |
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