Understanding 529 Plans

Use this section to learn about 529 Plans, see answers to commonly asked 529 questions and get the latest news from the 529 industry. You can take a tutorial to explain 529 Plans and learn about how to save for college most effectively.

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For Grandparents

Grandparents and 529s work well together! In this section we explain gift rules, retirement planning and how best to provide for your grandchild's college education.

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How to Avoid the 10% Tax Penalty on Non-Qualified Distributions

The earnings portion of a non-qualified distribution from a 529 plan is subject to income tax at the beneficiary’s rate, plus a 10 percent tax penalty. There are, however, several exceptions in which the 10 percent tax penalty does not apply, such as death or disability of the beneficiary and receipt of a qualified scholarship by the beneficiary.

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The magic number for college savings
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8 common 529 plan mistakes to avoid
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Comparison of 529 plans and Roth IRA for college savings
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When it comes to 529 plans, parents just don't understand
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