Understanding 529 Plans

Use this section to learn about 529 Plans, see answers to commonly asked 529 questions and get the latest news from the 529 industry. You can take a tutorial to explain 529 Plans and learn about how to save for college most effectively.

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For Grandparents

Grandparents and 529s work well together! In this section we explain gift rules, retirement planning and how best to provide for your grandchild's college education.

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How much can you contribute to a 529 plan in 2019?

In 2019, many families are trying to make the most of their tax-advantaged savings accounts. If you're saving for retirement, you're allowed to deposit up to $6,000 to an IRA ($7,000 if you're over age 50) and up to $19,000 to an employer-sponsored 401(k). But what about college funds? That's where it can get tricky. While the IRS doesn't specify a specific dollar amount for annual contribution limits to 529 college savings plans, there are some rules you should be aware of if you're considering making a large deposit this year.

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