rhellyer writes (in part):i was hesitant about putting a whole bunch of $$ into bonds/bills etc immediately because of rising interest rates.I reply:The point is to hold them through maturity (which you can't do in a bond fund -- you have to hold the bonds yourself). That way, you're more or less immune to fluctuations in their market value, though you are risking opportunity cost if interest rates do rise. The key is to be as sure as you can that your proceeds, when you receive them, will meet whatever portion of the college costs you intend to pay, when you need to pay them. --Bob
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