<p>You seem to have difficulty separating two independent risk factors, even after they’ve been explained to you. Furthermore, you are ignoring or failing to understand the context of certain statements.</p>
<p>My statement was: “IF the savings are definitely for college, then a 529 is the safest.”, meaning the safest for financial aid. The statement has nothing to do with the risks of possible investments/funds/CDs/whatever used within the 529. That is an independent risk that has nothing to do with being in a 529 or not. Equity risks are the same whether undertaken in a 529 or not.</p>
<p>And whether you accept it or not, it is a fact that 529s can use the safest possible investments in addition to the riskier investments you seem to think are synonymous with the plans.</p>