What are your 529 allocations in? How long until deployed?

Total stock market. Will keep it that way for most of the time.

I can't compete with the ballers on here but I'm targeting monthly contributions that will add up to roughly $16,000 for my older child (9) and $13,000 for my younger (4) by their 18th birthdays, with some regular incentives thrown in for stuff like good grades. The older gets more since obviously that's less time for the money to grow. But both accounts should be around $24K when they're about to enter college using 7% expected growth, increasing to $34K once the incentives are included.

With a little Excel know-how you can chart it out in pretty good detail. The FV() function is a wonderful thing.

I think this is a good idea if you view 529s as a PART of your college savings and sort as a multi-generational account. Now, some of the excess can be used to fund Roth IRA (there are limitations). You can also change the beneficiary, so your child could be replaced by another child or grandchild.

If a 529 represents the entirety of your child’s college savings and is a modest amount I completely understand reducing your exposure to risk as the time to make tuition payments/pay for college expenses gets closer.

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Target date fund

I’m 100% in VIGIX, just keeping them in there

Don't worry they will see what you sacrificed in order to provide an opportunity for them.

I just changed all of mine to the index. Have three accounts that will be deployed starting between 2032-2036

I just reallocated actually after doing a deeper dive into all of the funds. Opened the account in 2014 and funded it with $4800 each year for 5 years. Currently it is north of $60K and we still have another 8 years before the funds are needed.

Original allocation was across VSCIX, VMCIX, VLISX, and VTSNX - 25,25,40,10. Reallocated to shift funds to VIGIX, VIVIX, and VINIX and get out of VTSNX all together.