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SC Wisconsin | I'm 12 years out, using the state sponsored 529 plan and am happy with it. I think you have to be careful though, because not all state plans are equal. IIRC, and you will want to check on this, but you are not restricted to using just your state's plan if you find a better one elsewhere. That said, your state plan may have tax benefits the year of contribution that out of state plans don't. I know WI does.
I speak for my state only, but I can make the 529 as risky as I want to make it. I can chose from any option ranging from CD's all the way to international. That said, I'm an indexer and the plan offers index based options so that makes me happy. If you are a stock picker type, than it might not be as attractive. | |
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