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The Short Answer

Getting Creative With 529 Plan Options

Unhappy with your plan's age-based portfolio choices? Consider using pure-equity, pure-bond, or pure-cash offerings to supplement them.

Note: This article is part of Morningstar's October 2013 College-Savings Boot Camp special report. This article originally appeared Sept. 10.

Question: I like the tax break I get for contributing to my state's 529 college-savings plan for my daughter and would prefer to use the age-based portfolio option, but I'm not thrilled with its allocation to stocks. Is there anything I can do?

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