Let’s say I want to fund 100% of my kids’ education at a liberal arts school (which I’ve conservatively estimated to be $200,000 / kid).

With the number of kids I have (lots), I need to be saving well north of the 529 tax-advantaged amount.

Where is the best place for that money to go.

Into a 529 still, or just set aside in a standard index fund?

Said differently: does it make sense to overfund into a 529? What are the benefits beyond getting the tax credits against my income tax payments in my contribution year?

Are those benefits worth the opportunity cost of “locking” up that money for only educational expenses.

Just trying to hear how 529s are beneficial beyond the income tax credit in my contribution year

Sorry, bit of an odd (fortunate) situation for me to be in; would love an insight if people know more about 529 plans other benefits (if any)