<p>not really sure the big picture of your question. Who is the beneficiary of the account? You mentioned you are in a Roth IRA so I would assume that is a current retirement account for you. Are you looking to move your retirement money into a coverdell or 529 to fund your college or fund your child’s college? I personally think it is a bad idea to use your retirement money to fund your child’s education. </p>
<p>If you had new money you wanted to invest - rather than your retirement money - I would think either the 529 or coverdell would work for you at 1100 per year. The big benefit of the coverdell being able to use for private grade and high schools. If you are only looking at funding college and not grade/high schools - look at your investment options for both then decide. Your state 529 plan may give you a tax deduction for your state income tax. Not sure if it is offered in all states but know it is here in Ohio.</p>
<p>Also you can take money out of your Roth to pay for qualified education expenses so it may make sense to just leave the money right where it is.<br>
[Publication</a> 970 (2011), Tax Benefits for Education](<a href=“Publication 970 (2022), Tax Benefits for Education | Internal Revenue Service”>Publication 970 (2022), Tax Benefits for Education | Internal Revenue Service)</p>