re: Best Plan for Kid's College Funds

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What is the determining factor if I may ask?

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I can't point to any one factor. I can tell you what I'd like out of an investment vehicle for my child's education:
1. Something that isn't restricted to education. My son is way smarter than me, but there is always the chance he doesn't obtain education past high school. I don't want to lose 10% based on that. I'm not going back to school. I can't use it for anything else w/o a penalty.
2. Something with more investment options.

I'm not an expert on investing by any means. I'm humbled everyday that I read this board. I try to find out as much as I can about each fund, etf, or individual stock I put my money in. 5%+ front loaded fee certainly doesn't look as good as no load ETFs. Of course, you get what you pay for.