NewInvesting··9 min
The 529 Roth Rollover Runs on a 15-Year Clock. Open the Account Now, Fund It Later.
SECURE 2.0 answered the standing objection to 529s: unused money can move to the beneficiary's Roth IRA. But the account has to be 15 years old, and the clock starts when you open it rather than when you fund it. Which makes the decision that matters a calendar decision, not a contribution one.
529 planroth iracollege savings