re: When do you start becoming conservative with 529 accounts?

I opened 529’s the week my twins were born. Turned 30K principal into 100K over 18 years. I was in a S&P 500 Index Fund until January of their high school senior year. Then put it in a money market. They are now college seniors and should have 30K or so leftover for grad school.

My advice on 529’s are always to invest heavily and don’t go conservative too early. Even if you have money left over it can stay in the account and be used for grandkids, etc. If I would have stayed in the index during their college days they’d have even more than they have left over.