<p>Thanks, esteemed author. </p>
<p>I looked yesterday and did see that the “conservative” 529 options that I had been recently using were mostly 75% bonds. Most short-term bonds are not risky, but long-term bonds are.</p>
<p>I just moved the college funds I needed for the next year to a money market account inside a 529. My state doesn’t offer a “guaranteed principal” option, but other states do. Here’s some info:</p>
<p><a href=“http://thefinancebuff.com/colorado-stable-value-plus-529-plan-3-04-percent-return-guaranteed-through-december-31-2013.html[/url]”>http://thefinancebuff.com/colorado-stable-value-plus-529-plan-3-04-percent-return-guaranteed-through-december-31-2013.html</a></p>