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<p>I hear you. Just today, I moved an entire 529 account balance from a “moderate” age based allocation (17 year old age band) to a guaranteed interest option, primarily because I’m worried about how bond funds will fare as the Fed begins to taper. The age based fund is 50% in bonds, so there was heavy exposure. Last year when the equity markets were up 30%, the 20% of the age based fund that was in equities bailed out the poor performing bond funds to give the age based fund an overall gain for the year, but I don’t see the equity markets having a 2014 like the 2013 that they had. The last thing I want in the months before my kid heads to college is for her 529 fund to have a down year.</p>