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Message: [QUOTE="8893, post: 4319870, member: 93"] Yeah, I think most of us feel the same--at least I do--despite the conventional wisdom that the value of the equities only really matters when you sell. I remember trying to wait out the end-of-year plunge in 2018 because I needed to take my daughter's Spring tuition out of the 529. It got worse and worse every day I waited, and I finally had to cash out on the day it hit bottom. The next day it rallied back of course, so I lost like $5k just because I needed to use the money. Based on that experience, when I got a nice check in the fall of 2019, I kept it in a money market fund instead of investing it, because of the conventional wisdom about the markets tanking the next year based on the election result. Fortunately and unfortunately, it's still there. And now I'm thinking it may be time to start putting it back into the 529 for our youngest, who will be going to college in 2024. [/QUOTE]