re: 529 START Funds

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I chose the UTMA because I believe that having the choice to invest in Index Funds or ETF’s like VTI or VOO will outperform the 529 especially on a long term of 10-15+ years despite the tax sheltering of 529’s

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You can invest in 529s in mutual funds. It is limited for sure but the LA one has total US stock, total world stock, total international stock, age based moderate/growth/aggressive funds, and small/mid/large cap index funds. So in general you can put the money into the total us stock fund and do the same as the VTI. There are definitely limitations and hence why I am not going crazy but putting some amount in that I feel comfortable will get spent on "educational expenses" at some point.