<p>We will begin to make withdrawals from our 529 plan for D next year. The aged-based plan will still have some investments in short-term bond funds (the rest in a FDIC insured savings fund) by then. I’m thinking of just moving the whole thing to the FDIC fund at that time. This year, the small allocations in equities has made up for the bond fund losses, but that won’t continue. We have enough to cover her tuition, so I’m really more interested in protecting it from any losses than in seeing any more growth.</p>