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>>>So assuming you didn't hit a landmine in the early to mid teens, I would likely be pretty heavily in fixed income by years 15 or 16 of that plan. But that would also reduce total return.

That's a very important point. But of course not all college expenses are paid up front. The cash flow is spread out over four years, so only part of the funds would have to be placed in something less volatile at age 15-16.<<<<<

Rational, think Buffett addressed this issue on CNBC.

Buffett observed that BRK has suffered 50% declines FOUR different times.

So about every decade, the stock price gets cut in HALF.

It is Highly Likely Berkshire will lose half it's market cap while saving from birth to freshman some point. Maybe that's from $500,000 to $250,000. ..or double that...who knows?

Forewarned is forearmed. Especially when terminal value is critical.
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