마일모아에는 재정적 플래닝에 대해서도 고수분들이 많으신지라.. 529 플랜에 대해 개인적으로 궁금한 것들을 올려봅니다.
오늘 우연히 집 정리하다 서류첩에서 이전에 가입한 529 플랜 서류를 찾았습니다.
안 그래도 무슨 상품에 투자하고 있는지 기억이 안 나 찾던 터라 보니..
저는 scholarshare통해서 CA 529 college savings plan 가입해 있구요.. 가입당시 별로 스터디하고 가입한 게 아니라서.. 지금 고수님들의 점검을 받고 싶습니다.
현재 포트폴리오는 Passive Age-based portfolio라고.. 아이들 나이가 들어감에 따라 포트폴리오가 바뀌는 그런 거네요.. 5살이 되면 0-4살 상품에서 5-8살 상품으로 자동으로 바뀌는 식으로
이전 401K 질문을 드렸을때 받은 조언을 여기에도 적용하는게 맞는지 모르겠지만.. 수수료, 수익률을 찾아보니.. 상품마다 다 다릅니다. 401k는 수수료가 얼마이하인 상품에 투자하라는 조언을 들었었는데요..
수익률과 수수료 면에서 Index U.S. Large Cap Equity Investment Portfolio, Index U.S. Equity Investment Portfolio 이 두 상품이 수익률 19% 정도, 수수료 0.12% 정도로 좋아보이는데.. 아이들 학자금으로 이 상품에 투자하기에는 좀 위험성이 높을까요?? 현재 가지고 있는 상품은 Passive Age-based Portfolio라..
웹사이트에 설명으로는..아래처럼..
529 플랜 가입하신 분들은 어떻게 투자하고 계신지 궁금합니다. 아이들은 이제 초딩들입니다.
지금 플랜 그대로 두는게 좋을지.. 어떤 상품에 하는게 좋을지..
또 내지는 나중에 애들 학자금 받을때 불리할수 있으니(제가 정확히 이 부분을 모릅니다.) 지금부터라도 불입을 그만두는게 나은지..
조언 많이 부탁드립니다.
Each of the age bands in the Passive Age-Based Portfolio invests primarily in mutual funds that are index mutual funds. An index mutual fund is managed to track a specific securities index that the mutual fund uses as a benchmark. Each of the age bands also invests in certain other mutual funds that are actively-managed (the TIAA-CREF Real Estate Securities Fund, the TIAA-CREF Inflation-Linked Bond Fund and the TIAA-CREF High-Yield Fund) and certain age bands also invest in a funding agreement. Therefore, although a majority of the mutual funds in which this Portfolio invests are passively-managed, it does not invest exclusively in passively-managed mutual funds
Investment Objective. This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.
Investment Strategy. This Investment Portfolio invests 100% of its assets in an “index fund,” meaning that the mutual fund attempts to track a benchmark index. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF S&P 500 Index Fund.
Investment Objective. This Investment Portfolio seeks to provide a favorable long-term growth, mainly from capital appreciation.
Investment Strategy. This Investment Portfolio invests 100% of its assets in an “index fund,” meaning that the mutual fund attempts to track a benchmark index. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF Equity Index Fund.
Annual Asset-Based Fees | ||||||
|---|---|---|---|---|---|---|
| Investment Portfolio | Plan Manager Fee(1)(2) | Estimated Underlying Fund Expenses(3) | Administrative Fee(4) | Total Annual Asset-Based Fees(5) | ||
| Active Age-Based Investment Portfolio Option | ||||||
| Age Band 0-4 Years | 0.05% | 0.48% | 0.05% | 0.58% | ||
| Age Band 5-8 Years | 0.05% | 0.47% | 0.05% | 0.57% | ||
| Age Band 9-10 Years | 0.05% | 0.46% | 0.05% | 0.56% | ||
| Age Band 11-12 Years | 0.05% | 0.45% | 0.05% | 0.55% | ||
| Age Band 13-14 Years | 0.05% | 0.44% | 0.05% | 0.54% | ||
| Age Band 15 Years | 0.05% | 0.39% | 0.05% | 0.49% | ||
| Age Band 16 Years | 0.05% | 0.35% | 0.05% | 0.45% | ||
| Age Band 17 Years | 0.05% | 0.28% | 0.05% | 0.38% | ||
| Age Band 18 Years and over | 0.05% | 0.22% | 0.05% | 0.32% | ||
| Passive Age-Based Investment Portfolio Option | ||||||
| Age Band 0-4 Years | 0.05% | 0.13% | 0.00% | 0.18% | ||
| Age Band 5-8 Years | 0.05% | 0.13% | 0.00% | 0.18% | ||
| Age Band 9-10 Years | 0.05% | 0.14% | 0.00% | 0.19% | ||
| Age Band 11-12 Years | 0.05% | 0.15% | 0.00% | 0.20% | ||
| Age Band 13-14 Years | 0.05% | 0.16% | 0.00% | 0.21% | ||
| Age Band 15 Years | 0.05% | 0.14% | 0.00% | 0.19% | ||
| Age Band 16 Years | 0.05% | 0.13% | 0.00% | 0.18% | ||
| Age Band 17 Years | 0.05% | 0.10% | 0.00% | 0.15% | ||
| Age Band 18 Years and over | 0.05% | 0.08% | 0.00% | 0.13% | ||
| Multi-Fund Investment Portfolios | ||||||
| Active Diversified Equity Investment Portfolio | 0.05% | 0.50% | 0.05% | 0.60% | ||
| Active Growth Investment Portfolio | 0.05% | 0.47% | 0.05% | 0.57% | ||
| Active Moderate Growth Investment Portfolio | 0.05% | 0.44% | 0.05% | 0.54% | ||
| Active Conservative Investment Portfolio | 0.05% | 0.20% | 0.05% | 0.30% | ||
| Active International Equity Investment Portfolio | 0.05% | 0.36% | 0.05% | 0.46% | ||
| Active Diversified Fixed Income Investment Portfolio | 0.05% | 0.40% | 0.05% | 0.50% | ||
| Passive Diversified Equity Investment Portfolio | 0.05% | 0.11% | 0.00% | 0.16% | ||
| Passive Growth Investment Portfolio | 0.05% | 0.13% | 0.00% | 0.18% | ||
| Passive Moderate Growth Investment Portfolio | 0.05% | 0.16% | 0.00% | 0.21% | ||
| Passive Conservative Investment Portfolio | 0.05% | 0.09% | 0.00% | 0.14% | ||
| Passive Diversified Fixed Income Investment Portfolio | 0.05% | 0.18% | 0.00% | 0.23% | ||
| Index International Equity Investment Portfolio | 0.05% | 0.11% | 0.00% | 0.16% | ||
| Single-Fund Investment Portfolios | ||||||
| Social Choice Investment Portfolio | 0.05% | 0.18% | 0.05% | 0.28% | ||
| Index Bond Investment Portfolio | 0.05% | 0.13% | 0.00% | 0.18% | ||
| Index U.S. Large Cap Equity Investment Portfolio | 0.05% | 0.06% | 0.00% | 0.11% | ||
Index U.S. Equity Investment Portfolio | 0.05% | 0.07% | 0.00% | 0.12% | ||