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December 29, 2025

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.
    • By MARGARET GILES
    Morningstar

    529 education savings plans are powerful tools to help pay for the mounting costs of an education. Yet some people hesitate to use them.

    One common concern is oversaving. You can only use 529 funds can only cover qualified education expenses without incurring a tax penalty, but it can be hard to pinpoint how much money you actually need.


     
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