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Jewish World Review May 6, 2010 Pick up the pieces of 529 college-savings plans By Gail Marks Jarvis http://www.JewishWorldReview.com | (MCT) You've said yes to the college your child will attend next fall, but the hard part remains. How to pay? The uncertainty is especially painful for parents who expected college savings to be tucked away in 529 savings plans by the time the bills started to arrive. But the financial crisis brutalized those intentions. According to a survey of parents with 529 savings plans by scholarship-search provider FastWeb, more than half lost money as stocks took a beating and bond losses far exceeded the norm in 2008. As they tried to hold on to what money remained, many parents solidified their losses by selling off and gaining little or nothing when stocks soared after hitting bottom in March 2009, said Mark Kantrowitz, publisher of FinAid.org and FastWeb.com. Between October 2007 and March 2009, stocks fell about 57 percent, and some bond funds dropped 30 percent from exposure to mortgage-related securities. Nearly a quarter of parents in the FastWeb survey said their 529 plans lost at least 30 percent in 2008, and those with the greatest losses were twice as likely to move their money to safety. So, they missed out when stocks climbed, Kantrowitz said. The survey found that a third of parents with losses stopped contributing to 529 plans, and two-thirds of those with losses of more than 30 percent stashed away no additional money. On top of market losses, about 10 percent said they yanked money from 529 plans. If those withdrawals included prior gains, they would have owed the IRS penalties and taxes. To amass tax-free savings in state-operated 529 plans, the money must be used for college. Kantrowitz is urging Congress to allow parents to leave money in 529 plans through college and withdraw it afterward without tax penalties. Such action, he said, would help parents whose money is intact let it grow and pay off loans with it in the future. Three-quarters of parents in the survey said they favored the idea, but there is not a bill before Congress yet. Still, parents could consider other options: BUYING TIME: Those still waiting for their savings to rebuild could borrow money for a year or two of college and use 529 savings for the remaining years or graduate school. Contributions are limited to $26,000 per child per year for a couple; half that for an individual. Be aware that you cannot count on the stock market to keep rising and restore your money quickly. Conservative 529 plans, and many financial planners, do not recommend stocks in savings programs for students age 17 or 18. Families trying to regain losses should evaluate their 529 plans and make sure investments are appropriate for the age of their children at tinyurl.com/3ysoo79. Select a 529 plan with low fees, one with an expense ratio of 0.50 percent or less. Compare plans at Savingforcollege.com. You can switch to a plan in another state every 12 months. SHIFTING GEARS: Financial planner Raymond Loewe suggests that people close to retirement use 529 plans for their own college studies, perhaps a course that includes foreign travel. You could change the beneficiary from your child's name to your own and amass money until you study in retirement. Be aware, however, that to use a 529 appropriately without being taxed or penalized, the course must be recognized by a legitimate educational institution and 529 money must pay for tuition, said Joe Hurley, founder of Savingforcollege.com. GET TAX MONEY BACK: If you lost money in a 529 and bailed out in the downturn, you might be able to claim the loss as a miscellaneous tax deduction if it amounted to at least 2 percent of your income, Hurley said. For a previous year, file an amended return. And, despite the condition of your 529, you can take student-loan interest deductions and a tax credit of up to $2,500 a year for college tuition. Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. Gail Marks Jarvis is a personal finance columnist for the Chicago Tribune and author of "Saving for Retirement without Living Like a Pauper or Winning the Lottery." Comment by clicking here. Previously: 03/25/10: No matter your age, there's an investment strategy for you 03/01/10: IRS tax credit rewards savers with low incomes 02/16/10: Your tax refund is a waste of money 02/06/10: Changes to credit card rules won't perfectly protect consumers 09/24/09: Recession's end doesn't make stock picking any easier 08/25/09: Weigh risks of being overly conservative with investments 07/06/09: Fear can force better investment planning 06/10/09: Best stock buys passed quickly, even for pros 05/12/09: On Wall Street, signs plant a seed of hope 04/08/09: Analysts debate the future of the rally 03/19/09: Gold unlikely to pan out as cure-all 02/29/09: Housing credit could provide sizable boost 02/19/09: Rebalancing being put in different light 02/04/09: Diversification doesn't always offer insulation 01/27/09: Taking steps can help regain some control 01/20/09: How to save for college during a recession 01/12/09: Bonds still risky option to stocks 12/24/08: Some predict mid-2009 for return to investing joy 12/09/08: A small dose of short funds may be useful 11/11/08: Mutual funds can get caught in downward spiral 10/27/08: Investors can bounce back from even the worst of times 10/20/08: Want to sell? Look at 401(k), but don't leap 10/16/08: Want to be like Buffett? There are ways 09/29/08: Money protection only goes so far, so know the risks 08/26/08: Retail stocks may not be best fit for investors 08/20/08: Rear-view mirror investing can be dangerous to a portfolio 07/01/08: What do we do? My daughter didn't get a scholarship 02/25/08: Before abandoning your mutual fund 02/14/08: Dirty little secret of some funds may be haunting 01/29/08: Sorting out the stock market 01/03/08: One word for 2008 crystal-ball gazers: Caution 12/11/07: ‘Buy and hold’ isn't necessarily tried and true 11/26/07: Translating the falling dollar's implications for investors 11/13/07: Gradual retirement may not be key to happiness 11/05/07: Rate cut won't offer immunity to investors 10/29/07: Employers set to help workers save in 401(k) accounts 10/22/07: Playing bounce may be costly to stock investors 10/10/07: Investors find boring often can be fruitful 10/01/07: Make up lost time with swift, smart action 09/24/07: Balance is key for investing by retirees 09/18/07: Homeowners who wait see options fade 09/04/07: Easy matter to rate fund's performance 08/27/07: Mortgage mess could be good for savers 08/17/07: Small stocks are coming with large caveats © 2007, Chicago Tribune Distributed by McClatchy-Tribune Information Services

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