Superfund 529 Reddit, So superfund to the max up front - your incentive is maximize the time invested. That grows tax free and can be used for any education expenses as early We just had our first child and looking for advice on funding her 529 plan. What do you think And if you want to hand-pick your 529 investments? Well, you can’t do that. The 529 is less attractive as every year pass away. So, as a Many families use 529 plans as a way to save for future education costs due to its tax benefits, as funds in a 529 account grow tax-deferred, and that growth can subsequently be A 529 plan provides a tax-advantaged way to start a college fund. A plan operated by a state or educational institution, with tax advantages and potentially other incentives to make it easier to save for college and other post 529 Plan contributions that are over the annual gift tax exclusion amount can have tax implications. Superfunding a 529 plan is essentially claiming your gift-tax allowances for the next few years, today. can I still get the state deduction for the next 5 years or only the first year because I will not My child's Scholarshare 529 plan shows returns at 13% since inception (9% YTD, 21% full year. I currently contribute $500 monthly. Here is some information about 529 plans, with the goal of crowdsourcing comments towards creation of a wiki page. Actual income tax is reduced by about $600 - 529 Superfund Tax Question - Funding before baby is born I know this isn't neceesarily Fatfire specific, but thoguht this group may be able to comment since a lot of people outside of Fatfire may not be Steps to Superfund a 529 Plan: Determine Your Contribution Amount: In 2025, individuals can contribute up to $19,000 per child, while married couples can gift An exception to the rules for gift taxes for contributions to 529 savings plans toward college tuition and other educational costs provides an opening for a "superfunding" strategy. A 529 to Roth IRA rollover allows 35K tax and penalty free (at least federally and in most states as well). Depending on your state you can also get a 529 deduction on your taxes and claim it year over year based on the amount you front load. E best return & lowest cost. Home → 529 Plans Saving For College 529 Ratings Saving For College rates each state-sponsored 529 savings program annually by analyzing Assume Jim and Pam superfund a 529 Savings Plan for their daughter, Cecelia, as soon as she’s born with a lump-sum contribution of Superfund 529? When does that make sense? I agree with @seattlecyclone. Fund 529 heavily up front or overtime from ChubbyFIRE perspective? As someone that is planning to ChubbyFIRE in the next 7-10 years I'm curious this communities perspective on funding a 529 plan Many people are familiar with 529 plans. 529 withdrawals are tax and The killer feature here, the only thing that makes the 529 really awesome, is that you can superfund the account. It allows contributions to Read the option descriptions. Leaning towards Coverdell over 529 due to the fact the fees from the etfs (bogelhead approach) would be less than the fees from 529. It’s essential to You superfund now in lieu of annual gits for 5 years (this and the following 5 years). But as I read more about 529 We would like to show you a description here but the site won’t allow us. The primary 529 benefit is like a roth - growth on after tax money is tax free (when used for educational purposes). Example would be if you put 10k in and your state only allows Hi! My wife and I want to fund our daughter's 529 plan to the gift limit this year. I am going to superfund a 529 for my child. Here's how to break away from the 529 lunacy. Traditionally, our clients opt to contribute annually or monthly to a 529 college savings plan, steadily building an account to cover higher education costs. What isn’t clear to me is how this works from a r/SuperFunds: Superannuation is a tax advantaged investment structure, where the balance is invested in managed funds that are appropriate for your As against compared to someone with a kid in his 20's The general advice: Since the kid is 6 months, at this phase if you can superfund- do it. , 3-5 years), rather than a retirement account (which can span 3 Superfund recommendations Hi guys, Basically want to hear about everyone’s view on which superfund they think is the best. Calculate $95,000 5-year gift tax election, maximize education savings, plan distributions, and estimate tax benefits. You'll learn about its benefits, how you can get it started, and the rules to follow. We don’t want a lot of left over in the plan beyond their education needs. A gift tax return was filed in 2022. I am effectively doing something like this as I have funded 529 plans for grandchildren, Learn how a 529 plan can help superfund your child's education with tax advantages, compounding growth, and estate planning benefits. We're in a Re: to superfund or not to superfund a 529 by Afty » Mon Feb 05, 2018 6:51 am I would superfund it for exactly the reason you mentioned — more years of tax free growth. Then start funding the 529 account. Accelerated gifting, contributions from grandparents, and the SECURE Act 2. They are tax advantaged plans that are similar to Roth IRAs; funded with after-tax dollars and they grow tax free. 529 Accounts Estate planning is the legal strategy by which one generation transfers wealth to the next, which involves an the use of various trusts and/or a will or even transferring Why pay for college with hard-earned cash when you can use investment gains? Learn the math behind "front-loading" or "superfunding" a 529 plan in 2026. The optimal strategy with regards to reducing tax burden is likely to superfund a 529 ASAP. I put the beneficiary in my name, and will change the After baby is born and gets SSN then open a 529. For more on this method, head to their full post at the link below. But being The new 529 rule allows ROTH conversions to beneficiary accounts but kids' AGI are higher than the ROTH contribution limit so that's not an option. So from what I 529: Better to start out with a Target Enrollment fund, or start with a more aggressive fund and reallocate to a TE after a few years? Young families expecting a liquidity event need to know about superfunding — the IRS provision that lets you front-load 5 years of 529 contributions tax-free. If we didn't superfund, we would put $1k/mo. California's tax-advantaged 529 plan offers low fees, flexible options & tax-free earnings for qualified expenses. I also have some cash on hand which I would like to superfund the account How to Superfund a 529: Rules, Limits, and Form 709 Learn how superfunding a 529 works, including gift tax limits, the five-year election, Form 709 filing requirements, and what to watch Wife and I contributed total of $63,000 to our son’s Virginia 529 plan in 2024 so we need to file 709. Check out your state's 529 plan first because you might receive a state tax benefit. We recently sold off an investment and is thinking about where to allocate the cash. I. In 2026, individuals can gift up to $19,000 (and married couples filing You can fund a 529 account with up to five years of contributions at once. But should they? NY 529 Plan FAQ states that (1) I get "state income tax deduction" of $10K combined for NY resident parents (reality: $10K deduction from taxable income. com, the top platform for online degree comparisons in the USA. Fidelity manages plans for four states. There are just so many variables. I have two accounts, one for each child. Also, I’d I opened up a 529 for our son 6 months before he was born under my name and started putting aside $750/ Month and just this month scaled it back to $500. Should one be filed for 2023? Per instructions if no other gift was made, there is no need. I've heard stories of some who superfund and then let compound interest do the rest as well as others who make monthly Should you superfund a 529 plan? Now that you know the benefits of superfunding, you can ask your tax and financial advisors whether this strategy makes sense We would like to show you a description here but the site won’t allow us. My daughter (graduating high school in 2038) is 100% invested in some Fidelity fund called MAX203909. While We just set up a Utah 529 for our infant and based on the advice of our financial advisor we decided to err on the side of overfunding. Given the time frame the savings on earnings seem minimal if you do not get the state tax deduction. They would like to superfund the 529 plan for their 2 kids. Learn how superfunding a 529 works, including gift tax limits, the five-year election, Form 709 filing requirements, and what to watch out for along the way. We explore a few 529 studies that compare the performance of each state's 529 plan with a lower-cost, out-of-state plan. Doing a little research it appears Australian Super is the best based on historic returns and fees. A 529 is different than a retirement account, because when used for education expenses, it's typically done over a short time window (e. We haven't prioritized 529, I am thinking about superfunding it with 90K. Does this make sense for your situation? Learn about the pros and cons. A grandparent 529 won’t show up as your asset or the child’s. How is this handled in this situation? We each file a $75000 gift tax form to be spread over 5 Best of all – there are technically no limits on how many 529 Plans you can superfund, and your spouse can contribute the same amount. I believe your children can inherit the existing 529 accounts and transfer the funds to their future children via the 529 benificiary with little to no tax consequences. So that is the best course of action in getting all the money out, no taxes, and a good lump for Learn about and compare the best 529 college savings plans. 5 months ago. How much college will cost in 13 years, how much secondary and postgraduate education she might do, etc. Wasn’t aware that it also had to be done before 15th April. So from what I Wife and I contributed total of $63,000 to our son’s Virginia 529 plan in 2024 so we need to file 709. A 529 doesn't have to pay for everything either. Considerations: Once you superfund, you can’t make additional 529 gifts for that beneficiary until the five-year window ends. The $8k let’s us take full advantage of the Ohio tax credit. By reading below from CNBC: "Using your kid’s current Join Ken Hargreaves, president of WealthGen Advisors, as he breaks down the rising costs of college tuition and introduces the powerful benefits of a 529 sav Start saving for your child's college today. Also the balance is more than the We would like to show you a description here but the site won’t allow us. One was a regular savings plan where you put dollars in and they grew tax free, the other was you paid for x number of semesters at a UMD Michigan allows 10K in state income tax deductions for 529 contributions If I superfund a 529 with 170K (85K from wife and me), could I deduct 10K from state income taxes for those 5 years? Or do I have I think that information is incorrect based on my reading of the IRS 709 instructions. I have some 529 money with no gains, thus no penalty for non-qualified withdrawals. Once a beneficiary’s aggregate account balance for all New York State 529 plans totals $520,000, contributions may no longer be made, but the 529 Saving Plans are state sponsored programs that offer tax-advantaged savings for college education. But my Overview Navigating the world of 529 plans can feel overwhelming, especially for young parents trying to secure their children’s educational future. Hi, Thanks all for your help! I am interested in superfunding a CHET 529 plan for my child in the state of CT. It took me 5 minutes to set up a 529, set up auto deposits, and select a basic index fund. Superfunding your child's 529 plan means making 5 years of contributions at once. Assuming a 6% rate of return compounded annually, the account would be worth $161,176. We plan to contribute $15K/year ($10K from grandparents, $5K from us) into the 529 for each birthday. 5yr old daughter at Vanguard and have been contributing bi-weekly. If your kid decides not to go to school or ends up going just to a trade school or community college you will have extra cash in the As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Even if contributions come from one account, gift-splitting requires individual returns Are you currently childless but want a way to save on state taxes now and be ready for your future kid’s education expenses? Consider opening a 529! Even though we are TTC (what a rollercoaster jeez) With college being so expensive, it's hard to believe that anyone could over-save for education. If you contribute $10k now, only $6k will be deductible this year, and the other $4k will never be deductible, I’m in a position to create and fund an “in state” 529. I think that would outweigh any Qualified 529 housing expenses are capped at the college’s published room and board expenses included in its cost of attendance for a particular academic period. annual contributions for someone targeting Chubby FIRE. Federal law allows for each state to create one or 529 Account Overview A section 529 plan – also known as a “qualified tuition plan” – is a tax-advantaged investment 529 superfund before child is born and gift tax question My wife is 3 months pregnant and being the planner I am, I created a 529 plan already. 29 in ten years. Back then there were two options. No state tax benefit in TX. 529 accounts currently have about $100k each. So from what I We've established you probably shouldn't go for the maximum or try to use a 529 as a multi-generational education trust, but you may still want to Below, we cover what superfunding a 529 means, the benefits of superfunding if it fits within your financial planning, how much you can contribute Through a variety of the resources I found, I think I got the gist of it and cobbled together a sample of completing a Form 709 for superfunding We would like to show you a description here but the site won’t allow us. Trying to figure out the best option for opening a 529 plan for our newborn. Is it the maximum amount was $170,000 per kid that they can fund for 2023? Hence, the grand total 529 college savings plan can fund a family's education for many generations under the right circumstances. 529 contributions are tax deductible up to a limit based on your state. It's possible to kick-start your 529 college savings plan with a larger, upfront contribution. Direct-sold plans are bought directly from the state agency that runs the 529 plan or through the firm Overfunded 529 - how to handle by bobogle » Sat Feb 17, 2024 2:47 am We would like to show you a description here but the site won’t allow us. Use our 529 Superfunding Calculator to determine the outcome of making large contributions to a 529 college savings plan, including gift-tax consequences. Each state-run 529 plan, administered in conjunction with a brokerage firm or mutual We would like to show you a description here but the site won’t allow us. What is a 529 plan? A. I started contributing monthly when they were very young You can roll over your unused 529 dollars into a Roth IRA or ABLE account, but there are limits. Our goal is to help 529s are nothing like opening credit cards to get a free tote bag and $100 or whatever your friends are after. We have 3 children and I asked my parents to consider putting $60k in a 529 & $40k in an UTMA instead. 529s have the same impact as other parental assets. We put a lump sum in (enough to cover about two years of undergrad) When planning for your child's future education, one powerful tool at your disposal is the 529 plan. Assuming 50k is funded, so 10k a year. However, if I were to do the 529 ($150K/child upfront) - I'd probably superfund it from the beginning and be done with it. Both plans use an age adjusted allocation. The law allows you to contribute a Individual states sponsor 529 plans and have varying total account maximums determined by a given state. Find the best plan available for you. Superfunding 529 after divorce Divorced. My wife is the account owner on 2 of them, and I am the account owner on 1. I have 3 South Carolina 529 accounts. Find the right option on this list of the best 529 plans. Whether you decide to save less over time or superfund a 529 account, this Yes, 529 plans are completely worth it. Some states offer an immediate state tax deduction and there's usually a carry forward. Here, we’ll talk more specifically about the details of 529 plans, and also what it means to “superfund” these accounts. For example, if the annual gift limit in 2022 was $16,000 per person per year and you and you spouse What Does It Mean to Superfund a 529 Plan? Superfunding a 529 plan involves making a large, lump-sum contribution in a single year, taking advantage of a special tax provision. Q. The added possibility of We would like to show you a description here but the site won’t allow us. 529 plans have a 10% penalty and earnings are taxed at higher ordinary income rates if not used for educational Superfunding a 529 plan is a powerful loophole that works around the normal contribution limits on 529 college savings plans, allowing you to I’m planning to somewhat underfund the 529s for this reason and will use taxable to make up the difference if they both choose to go to college. Kiddo goes to bay area public school right now. 709 Question: Gift Tax for Married Couple in Community State, Do I need to file 709 for 529 superfund contribution? It’s the kind of “problem” everyone wants to have. Discover how Super Fund 529 simplifies education funding, maximizing savings for kids' futures with tax benefits and expert guidance. Similar to many 401 (k) programs, your state’s 529 program probably only offers a few different fund choices. I'm trying to prepare for my kids college while not shortchanging our own retirement planning. Questions: thoughts on the Both have 529s set up and I'm trying to figure out the best way to fund. Then I learned that I needed to fill out the IRS Form 709 for taxes. Discover how an early lump The best 529 plans will give you a state tax credit, low fees, and great investment options. An added benefit is that 529 plans offer tax-advantaged savings accounts for paying for college or higher education. Based on a $50,000 balance over a 10 year return these are the . We've highlighted the best 529 plans by state, performance, ratings, lowest fees, and more. Especially thinking about the right amount to fund up front vs. We would like to show you a description here but the site won’t allow us. Say the limit is $6k per year. I am going to superfund a 529 for my child. 529 Plan FAQ Hello, We are just about to start funding for our child’s future. Understand contribution limits, tax benefits, and strategies for long-term Our guide details the 10 essential rules for superfunding a 529 plan in 2025, helping you transfer wealth and secure your child's education. I'm not sure if this is the right approach. Here's what to know about this strategy. When superfunding a 529 plan, each spouse must file a separate IRS Form 709 to report their share of the gift split. Gen 2 seems to benefit even more from it though then Gen 1. Free 529 plan superfunding calculator for 2025. I have been comparing the returns of various 529 accounts, in order to attempt to figure out the smartest one to go with. We started them when our teens were young. This appears to be $34,000 ($17000 each from a joint account). Based on today's gift maximum, if you contribute Learn how a dynasty 529 plan can help you establish a source of college savings for multiple generations of family members. g. We are in a state where we receive no tax deduction or benefit for any 529 contributions. Otherwise, you can invest in another state's plan, Iowa and Utah have good ones. 0 offer powerful ways to get more from a 529 plan. 529 Veterans -- Can you share some words of wisdom with those of us just starting out? I've been mulling over my plan to aggressively fund 529 accounts while my kids are very young, with the You don't need $1 million in a 529. Superfunding is another option. I've received 8 separate bills (so far) from various healthcare providers for an emergency hospital visit 3. Re: 529 superfund question by dukeblue219 » Tue Jul 30, 2024 9:55 pm You can put as much as you want into a 529 in a year. Superfunding can be a powerful way to jump-start A step by step guide to superfunding a 529 plan with 5 years of contributions gift tax free. How HENRYs use bonus checks to crush college costs early — and the gift-tax math Learn how a superfund 529 plan helps maximize education savings. I also have some cash on hand which I would like to superfund the account Can I superfund my 529 Plan account for less than 5 years in a reasonable way? (US) I've read that i can make a 529 Plan contribution ratably over a 5-year period if I want to go over $14,000 in a year A 529 plan is a college savings account called a Qualified Tuition Program (QTP) by the IRS. I figure with that balance at birth, the 529 will very likely cover in-state undergrad tuition (or most of an Index fund vs 529 isn't an apt comparison. 529 plans are either direct-sold or advisor-sold. However, my family recently offered to pay for my children's education. You need the plan in your state to get the I’m currently with HostPlus Shares Plus. Then and only then look at transferring funds to new super account and then close old See Dynasty 529 Plan by Kitces. into the 529 until our contributions hit $100k. Your site includes the 10 things you need to know about superfunding a 529 planhowever, I am looking for a specific answer. The ambiguities on gifting tax and generation skipping tax implications are covered. You put investments in your various accounts. I don't want to end up with a bunch left in the 529 but also select a 529 plan based on lowest total ETF and admin fees, and ability to automatically pull into Personal Capital / Mint etc for visibility. If your dad opens a 529 for your kid, you To superfund a 529, you would simply add the money into the account, then file Form 709 at tax time. superfunding means accelerating 5 years worth of contributions in at one time. Take advantage of the power of compounding. I just noticed that my wife has our two children's 529 plans set up very differently. You can superfund a 529 plan to start your college savings. Clients with 529 college savings plans can "bunch" contributions for up to five years. I thought my strategy should be to find the one with lowest fees and one that has access to 529 plans are required to be used towards education expenses only. You can use it for private k-12 tuition. If your goal Learn how to superfund a 529 using the five-year gift tax election, what the 2026 limits allow, and how to correctly file Form 709. Comparing options of a 529 vs using a roth IRA to pay for tuition, etc, and I wanted to check if I'm A 529 also has additional benefits: Many states have a state tax deduction for what you contribute INTO a 529, so check your state's rules. Hi, I have a friend who is a couple with 2 kids. I am trying to figure out how much to put in a college I would only superfund if I got a state tax deduction personally. Maxing out superfunding in a given year doesn’t prevent you from making future contributions. from what i have read, this is allowed; but i'm wondering if the law allows First and foremost is the logical drawback: if you superfund your child’s 529 at birth, that will likely grow to over $500,000 by the time they are 18. I Hi, client superfunded child's 529 $75K in 2022. Superfunding a 529 plan is a unique gifting transaction that can greatly benefit both the benefactor and beneficiary. Do we need to file a 709 form and check the gift splitting I dump $4k annually into each of my two boys’ 529s. Our eldest is now a HS senior and approximately half the balance of their college accounts is profit. Best 529 plan for a Boglehead? Narrowed it down to four state plans, but want to make sure I didn't miss anything. Learn more about mutigenerational So how do you fill out form 709 for a large but simple 529 contribution? Here are the resources that I found most helpful: IRS Form 709 Instructions, So how do you fill out form 709 for a large but simple 529 contribution? Here are the resources that I found most helpful: IRS Form 709 Instructions, I have fully funded 529s for my kids. I'd like to invest in a 529 as structured, separate investments seen to work best for my planning style, which is fairly uneducated and hands-off from active tracking except annually to see rates for things If you and your spouse both superfund 529 plans, you will each need to file this form. We discuss Superfund 529 as an investment strategy for financial planning. It says that the maximum annual deduction for married filing jointly contributions is $10,000/yr. If you do change, keep your old super account open until all outstanding super payments have hit your old account. I have a question about 529 superfunding. Get If you decide to front load, or superfund, your 529 plan, you’ll have to file IRS Form 709, the gift tax return in each of the five years to indicate that contribution is being spread over five years. I’d like to maximize my contribution at the same time take advantage of any state rebates and reduce liabilities. I may have too much money in my kids’ 529 plans. If you superfund the accounts you get the advantage of the entire amount "working" from the date of Superfund 529 then change beneficiary? by Matt48Ritchie » Thu Feb 25, 2021 4:22 pm Say I have three kids but don't want two separate 529s. Learn what to do if you have an overfunded 529 Hello Bogleheads: My son is 2 and half years old now and the 529 account balance is ~12,000. You may already be familiar with the basics of this We would like to show you a description here but the site won’t allow us. true i am wondering how to superfund a 529 if we cannot contribute the full 140k this year but split over two or three years. A step by step guide to superfunding a 529 plan with 5 years of contributions gift tax free. When the beneficiary of the plan goes to college, the funds may be distributed tax We have a 529 fund under the grandparents and there is ~$70K in it currently. One common concern is oversaving. TL;DR: in In fact, be sure to have a grandparent set the 529 up if you think the kids will ever need/qualify for financial aid. At a very rough Should you superfund your 529 college savings plan? With college costs already astronomical and rising, saving for them isn't just a year-end thing. 1 kid, 9 year old, we have $200k spread, as of today, over two 529s plan (in total stock market investment). This feature, called superfunding, is a powerful tool in preparing for your child’s college expenses. Where is this money coming from? How many years are you saving? In your case, I see option 2 coming out 529 is good because there are no income limits that you have to stay below to contribute and because the earnings are tax free if used for qualified education expenses. ) Because of the tax free growth advantage of 529 plans, and because their returns are Should You Worry About Overfunding Your 529 Plan? You can roll over your unused 529 dollars into a Roth IRA or ABLE account, but there are limits. To help you search for the best 529 college savings We would like to show you a description here but the site won’t allow us. Fan/Positive - Tax deduction or credit in 32 states on contributions, tax deferred growth, tax exempt on distribution for qualified expenses, financial aid 2026: Discover the best options for super funding a 529 plan on Research. From memory, the most aggressive is essentially VT by another name, the next most aggressive is essentially VTI by another name. We would like to pay for 100% of their education. Is this normal? How do I go about managing them? Banker is trying to talk me into a I recently opened a 529 account for my 3. We did the Maryland 529 plan. I was especially interested in a 529 plan when I found that account owners or beneficiaries can roll over 529 funds into a beneficiary-owned Roth IRA owned tax-free and penalty-free after 15 holding for 15 If i superfund a 529 (anything over 15k) it gets divided over 5 years. You can also set up your 529 plan We just had a new kid and we have some very generous relatives are willing to make a huge donation to start off his 529 plan, while I contribute monthly. A 529 is a type of account, an index fund is a type of investment. I’ve played with the idea of opening up two more A Comprehensive Guide to Superfunding a 529 Plan Front-load 5 years of contributions in one shot. Current gifting laws allow I decided to superfund my kids’ 529 accounts because I was late to the game. Target date 2026. I asked this in personal finance and got some responses but the main thing I didn't get a response to is how good my assumptions are on the growth. DW and I want to drop $250k in a 529 that Superfund 529 out of the gate - you can deploy 5 years worth of tax free gifts for each of you and spouse to drop $125k+ into 529. Minnesota resident so after doing some reading Wife and I contributed total of $63,000 to our son’s Virginia 529 plan in 2024 so we need to file 709. For example, suppose you superfund your 1-year-old’s 529 plan with $90,000. The advantage to these two That means every other 529 plan is open (assuming they don't require state residency, which many don't!). Look into inherited 529 accounts. Fidelity has no business telling anyone there is an $18k/year 76 votes, 42 comments. Looking towards Australian super, UniSuper, 529 plans are flexible, tax-advantaged accounts designed for college savings. Eventually we will have to put him in daycare My spouse and I opened 529 accounts some time ago under our own names as beneficiaries, with the intent of changing the beneficiary to a future child. Conclusion Super funding a 529 plan in 2024 stands as a powerful strategy for boosting educational savings while achieving notable tax and estate planning goals. We're A 529 plan is an education savings plan that allows you to save for qualified education expenses. Superfunding a 529 plan is where you contribute five years' worth of the gift tax I recently opened a 529 account for my 3. As for We would like to show you a description here but the site won’t allow us. Yes, you can superfund a 529 with up to 5x the current annual gift tax exclusion (so up to 5x $18k = $90k this year) and have it pro-rated over 5 years without counting against your lifetime gift/estate It might pay to contribute less each year to the 529 plan so as to get the benefit from the tax credit each year. A 529 plan offers tax and estate planning advantages for those funding the cost of higher education for a child or grandchild. Want to superfund a 529 ($150000 contribution from common assets).
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