Kids (twins) just started their junior year of high school. Their 529 funds have been parked in the Iowa 529 plan since they were in diapers, and have done very well there. But, like most plans, Iowa investment options are limited and do not include low risk "safe" investments for short term savings. The most popular plans on this thread - Nevada and Utah - are the same. Kind of like not leaving all of your savings in the stock market as you are approaching retirement, I feel the need to get some or all of their college money out of more risky investments as they are about to start college. South Carolina and Alabama, however, have bank deposit (CD/Money Market) options that are currently paying in the 5.25% range, with nominal to zero expense/fee. They - Alabama in particular - also have various Vanguard and other low expense funds if I want to divide the money into multiple investments, with some (and the ability to increase over time) the amount locked down in a bank fund. Anyone have experience with South Carolina or Alabama 529s? Or, other 529 with a bank savings option? Or, just want to talk me down off of the ledge?