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Asset Allocations in 529 Plans Show Wide Disparities

Pittsford, NY (PRWEB) December 19, 2011

A recently-updated study conducted by Savingforcollege.com reveals significant variations in the asset-allocation approach underlying the so-called “age-based” investment options in Section 529 college savings plans. An age-based investment option — offered by most states — automatically shifts from stock-weighted portfolios to income-weighted portfolios as a child approaches college age.

Savingforcollege.com’s study shows that while many 529 plans have shifted entirely to short-term bonds and money market funds for beneficiaries in college or close to college, others maintain a significant investment in stocks and longer-term bonds even for beneficiaries of college age. An increasing number of 529 plans offer multiple tracks, permitting investors to select the level of risk they feel is most appropriate.

“Our study focuses on account beneficiaries ages 17 and older,” says Joe Hurley, founder and CEO of JFH Innovative LLC, which owns Savingforcollege.com. “That’s the age of particular concern because parents will soon need to begin withdrawing from their accounts to pay for college expenses.”

The “glide path” utilized by a 529 plan in an age-based option is designed to protect the investments for older children, while allowing parents of younger children to capture greater returns over time by maintaining a higher concentration in stocks. But the disparities in glide paths can produce significant differences in returns among 529 plans, even for children of the same age. Accounts that retain a significant exposure to stocks, or longer-term bonds, can be adversely affected by market volatility.

“That’s not to say, however, that age-based options with less exposure in the stock market are always preferable,” says Hurley. “Since many 529 accounts will be withdrawn over a period of four or more years, plans that maintain some exposure to stocks can be expected to perform better over the duration of the student’s college career, although with some additional risk.”

In any event, investors in 529 plans should be aware of the glide path employed by their plan manager and make sure they are comfortable with the levels of risk in their age-based accounts.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Asset Allocations in 529 Plans Show Wide Disparities

Pittsford, NY (PRWEB) December 19, 2011

A recently-updated study conducted by Savingforcollege.com reveals significant variations in the asset-allocation approach underlying the so-called “age-based” investment options in Section 529 college savings plans. An age-based investment option — offered by most states — automatically shifts from stock-weighted portfolios to income-weighted portfolios as a child approaches college age.

Savingforcollege.com’s study shows that while many 529 plans have shifted entirely to short-term bonds and money market funds for beneficiaries in college or close to college, others maintain a significant investment in stocks and longer-term bonds even for beneficiaries of college age. An increasing number of 529 plans offer multiple tracks, permitting investors to select the level of risk they feel is most appropriate.

“Our study focuses on account beneficiaries ages 17 and older,” says Joe Hurley, founder and CEO of JFH Innovative LLC, which owns Savingforcollege.com. “That’s the age of particular concern because parents will soon need to begin withdrawing from their accounts to pay for college expenses.”

The “glide path” utilized by a 529 plan in an age-based option is designed to protect the investments for older children, while allowing parents of younger children to capture greater returns over time by maintaining a higher concentration in stocks. But the disparities in glide paths can produce significant differences in returns among 529 plans, even for children of the same age. Accounts that retain a significant exposure to stocks, or longer-term bonds, can be adversely affected by market volatility.

“That’s not to say, however, that age-based options with less exposure in the stock market are always preferable,” says Hurley. “Since many 529 accounts will be withdrawn over a period of four or more years, plans that maintain some exposure to stocks can be expected to perform better over the duration of the student’s college career, although with some additional risk.”

In any event, investors in 529 plans should be aware of the glide path employed by their plan manager and make sure they are comfortable with the levels of risk in their age-based accounts.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Forex offers syndication of the debt are as an announcement of the New Deal for another week before the crunch Euro Reports ITFX

limited time

Hong Kong (PRWEB) December 8, 2011

As voters and markets is a difficult proposition, it is Germany requires the government to give the euro area huge concessions on the budget, expenditures, and plans for future income taxes as the price of intervention, based in Frankfurt European Central Bank. The EU will play an important role in maintaining budgetary controls on the Member States of the euro area and there are other huge political risk and other problems related to the EU use a lot of central government budget. The experts of the Forex trading business InvestTechFX, Forex currency trading company, said the debt crisis of the Euro zone, the exposure of foreign banks in emerging markets, which leads to a decrease in the syndication of debt to attract foreign loans, by starving Against domestic financial institutions or companies. The crisis in the euro area still exist, most foreign banks have frozen or reduced their foreign loans and it has a negative effect on trafficking forex syndication of the debt.

Germany against the IMP and the ECB to print money and special drawing rights at the IMF refused to support the plan of writing, the ECB could periphery countries to support planning for a value to finance as much as € 1 trillion. Although the crisis in the euro area continues, some local issues have been addressed. A report by Bloomberg, while Mario Monti firm in Italy is to provide an austerity program 24000000000 euros, Enda Kenny, the Irish Prime Minister warned that they may continue with an austerity surcharge is expected to increase to 23 faces percent. PIMCO is the world’s largest independent fund management requires a federal Europe, or managed a break and consider how in the most tax reform does not help integration.

systems is known for its top notch FX trading technology in the field of automated trading and is a recognized leader in the industry of artificial intelligence software. Their experts develop advanced, adaptable, intuitive, effective and advanced forex trading tools to help people understand Forex trends and developments. Aside from the fact that the company offering new and exciting solutions, and innovative, they are known for their learning center complete and detailed.

clear = “all”

src=”http://service.prweb.com/_res/images/common/vocus-logo.gif” alt=”Vocus” © Copyright 1997 -
, Vocus PRW Holdings, LLC.
Vocus, PRWeb and Publicity son are trademarks or registered trademarks of Vocus, Inc. Vocus PRW Holdings, LLC.

Forex offers syndication of the debt are as an announcement of the New Deal for another week before the crunch Euro Reports ITFX

limited time

Hong Kong (PRWEB) December 8, 2011

As voters and markets is a difficult proposition, it is Germany requires the government to give the euro area huge concessions on the budget, expenditures, and plans for future income taxes as the price of intervention, based in Frankfurt European Central Bank. The EU will play an important role in maintaining budgetary controls on the Member States of the euro area and there are other huge political risk and other problems related to the EU use a lot of central government budget. The experts of the Forex trading business InvestTechFX, Forex currency trading company, said the debt crisis of the Euro zone, the exposure of foreign banks in emerging markets, which leads to a decrease in the syndication of debt to attract foreign loans, by starving Against domestic financial institutions or companies. The crisis in the euro area still exist, most foreign banks have frozen or reduced their foreign loans and it has a negative effect on trafficking forex syndication of the debt.

Germany against the IMP and the ECB to print money and special drawing rights at the IMF refused to support the plan of writing, the ECB could periphery countries to support planning for a value to finance as much as € 1 trillion. Although the crisis in the euro area continues, some local issues have been addressed. A report by Bloomberg, while Mario Monti firm in Italy is to provide an austerity program 24000000000 euros, Enda Kenny, the Irish Prime Minister warned that they may continue with an austerity surcharge is expected to increase to 23 faces percent. PIMCO is the world’s largest independent fund management requires a federal Europe, or managed a break and consider how in the most tax reform does not help integration.

systems is known for its top notch FX trading technology in the field of automated trading and is a recognized leader in the industry of artificial intelligence software. Their experts develop advanced, adaptable, intuitive, effective and advanced forex trading tools to help people understand Forex trends and developments. Aside from the fact that the company offering new and exciting solutions, and innovative, they are known for their learning center complete and detailed.

clear = “all”

src=”http://service.prweb.com/_res/images/common/vocus-logo.gif” alt=”Vocus” © Copyright 1997 -
, Vocus PRW Holdings, LLC.
Vocus, PRWeb and Publicity son are trademarks or registered trademarks of Vocus, Inc. Vocus PRW Holdings, LLC.

Lime Company welcomes new head of business development for industrial

San Bernadino, CA (PRWEB) January 21, 2012

Lime Company, a provider of industrial wastewater treatment advances, said Mike Greenberg as Director, Industrial Solutions welcome. Mike in the company in December 2011 for sales and marketing efforts for key industrial markets, with emphasis on the food and drinks.

Mike brings over 12 years experience helping food processors with their problems of wastewater treatment. He served as sales manager for American Water, and was marketing director of the Environmental Management Corporation (EMC). While at EMC, Mike was instrumental in moving the company to serve only municipalities in the Midwest, to support the need for cleaning food and beverage client countries. It wastewater operations and maintenance projects created with some of the largest food processing companies in the United States and Canada, leading to the sale of the company in 2003.

“Mike brings an expertise to our existing and potential customers in the food and drink, and we are delighted to join the lime. With his experience, enthusiasm and proven, I have no doubt that fits our growing organization, “said CEO Mike Walker lime.

asked about his new position, Mike Greenberg, said: “I am delighted to be part of lime at a time when the positive dynamic of this type, the cost of the life cycle of our technology and the effectiveness in the treatment of industrial wastewater. makes me happy to bring our solutions to market food and drinks. “

lime:

lime provides environmentally sound, low cost alternative for the total wastewater treatment and biosolids management. Our proven and patented technologies to provide effective treatment of wastewater streams municipal and industrial biosolids digestion as well. Founded in 2004, the company provides innovative technology-based solutions that produce results. Our compact and modular systems require less energy to operate and limited staff.

BioViper ™ provides a durable, economical treatment site, provide food and beverage producers to reduce emissions without increasing sewer energy needs of their facilities. For more information on BioViper ™ technology and how they can get online while reducing total operating costs to maintain contact with lime (888) 524-2822, info (at) Linden (dot) com or Online at http:// www.baswood.com.

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src=”http://service.prweb.com/_res/images/common/vocus-logo.gif” alt=”Vocus” © Copyright 1997 -
, Vocus PRW Holdings, LLC.
Vocus, PRWeb and Publicity son are trademarks or registered trademarks of Vocus, Inc. Vocus PRW Holdings, LLC.

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