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<p>[QUOTE=&quot;TopcatCoin, post: 1655220, member: 22746&quot;]It depends.&nbsp; Some states have FDIC insured 529 plans and some do not.&nbsp; The 529 allows you to invest at relatively low maintenance fees and although you cannot deduct contributions on your federal taxes, some states allow you to do so on your state tax returns.&nbsp; The major benefit of these 529 plans is that you can invest in your child&#039;s education and not pay taxes when you withdraw the money and use it for educational purposes.&nbsp; All plans are different.&nbsp; Ask an advisor about a better fund inside your 529 plan.&nbsp; As far as taking money out to invest in PMs, I would advise no as you will be hit with significant fees for taking the money out.&nbsp; You may consider doing both from here on out.&nbsp; Good luck!&nbsp; TC[/QUOTE]</p><p><br /></p>

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