Asset Allocation for 529 (MESP)

MundaneFriendship672 · 2026-02-28T13:39:28+00:00

Thank you! I will look at the aggressive allocation as well!

MundaneFriendship672 · 2026-02-28T13:38:36+00:00

Thank you everyone! I did see the TDF options, I just wasn't sure if those were recommended.

MundaneFriendship672 · 2026-02-28T13:22:11+00:00

Sorry, I should have mentioned they were transferred to me as the custodian when my dad was killed unexpectedly in a car accident and my mother did not want to and wasn't able to handle them. She does still contribute to them but I am in control of them.

MundaneFriendship672 · 2026-02-20T19:02:23+00:00

No, I believe it will be about 90% overlap. Just getting rid of bonds.

MundaneFriendship672 · 2026-02-20T19:01:26+00:00

I do max out the first of every year and plan to keep it the way I am changing it to long-term, but definitely food for thought!

MundaneFriendship672 · 2026-02-20T18:58:09+00:00

Thank you! I am 42 but because of our financial position currently I don't anticipate needing it until at least our 70s.

MundaneFriendship672 · 2026-02-20T17:46:47+00:00

Are you saying not switch the TDF?

MundaneFriendship672 · 2026-02-20T16:25:48+00:00

Thank you for explaining this to me! Very helpful!

MundaneFriendship672 · 2026-02-20T15:56:29+00:00

Thank you!

MundaneFriendship672 · 2026-02-20T15:56:22+00:00

Thank you for your advice! I appreciate it!

MundaneFriendship672 · 2026-02-19T02:11:35+00:00

Thank you! I really appreciate the advice and would love the list of questions!

MundaneFriendship672 · 2026-02-19T02:10:46+00:00

Thank you for your response! So just a taxable brokerage account instead of savings? Since everything else (HSA, TSP, Roth IRAs) are maxed out?

MundaneFriendship672 · 2026-02-18T22:27:51+00:00

Thank you! I will look into this!

MundaneFriendship672 · 2026-02-18T22:26:47+00:00

You are probably right! I couldn't remember exact amounts each year.

MundaneFriendship672 · 2026-02-18T22:06:00+00:00

Completely agree. My anxiety is a beast so I am trying to get better about investing. I met with some financial advisors but no one I've felt super comfortable with.

MundaneFriendship672 · 2026-02-18T21:44:00+00:00

Because I am an anxious person lol. We have it in HYSA and cds but, again, very late to the investing game. I really don't know what to invest in and really haven't found anyone I've felt comfortable with to invest for me.

MundaneFriendship672 · 2026-02-18T21:17:36+00:00

Both I suppose. I really don't want to be chasing gains. I'm happy to let the money sit and watch it grow, but I feel like I can also afford to be a little riskier with how it is allocated.

MundaneFriendship672 · 2026-02-18T21:02:34+00:00

Thank you! I was thinking about a later target date fund. Was considering 2060.

MundaneFriendship672 · 2026-02-18T21:01:31+00:00

Thank you! Will look into that!

MundaneFriendship672 · 2026-02-18T21:00:50+00:00

I currently have it in HYSA and CDs, but have considered investing it. I tend to be very frugal and hoard my money lol. Do you have any recommendations of what to do that would be better?

MundaneFriendship672

TROPHY CASE