What grade (if ever) to switch 529 to conservative investments?
u/TryingToNotBeInDebt ·
Reddit — r/investing
· August 19, 2026 at 12:38
· ⬆ 20 pts
· 💬 32 comments
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My kids are soon to be starting high school and the target investment strategies my 529s use are soon to be converting to more conservative funds. I am hesitant move the money and miss out on more years of potential gains. I understand the market could go in the other direction and I could lose money.
I have about $150,000 for each child in the 529 accounts. I have the means to pay any and all future tuition without needing the 529 so I am not afraid of dips in the market requiring me to pull money at bad times. I would like to use the 529s though for the tax savings and to use the other money for other things. Should I just keep the investment strategy fairly aggressive or just follow the target investment strategy? Anyone just keep investing throughout the time their kids are in high school and college?
I figure I can always use the funds towards potential grad school, kid's roth IRAs, or transfer the money to grandkids if I have money left after my kids finish college and any potential post graduate school.