Using 529 plans wisely
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•Consider using age-based investment funds, but check asset allocations to ensure they match your risk tolerance.
•Investigate 529 plans from other states — such as the Vanguard plan in Nevada — if your home state doesn’t offer tax incentives.
•Make desired investment changes before the end of the year.
•Check that money is in less-risky funds if needed within the next few years.
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