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Investing in a 529 plan can be a great way to save money for your child¶s college expenses.
About 32% of parents¶ savings for children¶s college expenses put money into 529 plans during
2009, up from 30% for 2008. Every state except Wyoming offers at least one plan; many states
offer more than one plan. Investors are not required to invest in their home state¶s plan.
However, by sticking to a plan offered by one¶s state of residency, the investor may be entitled to
an upfront state tax deduction. For example, you can live in California, invest in a 529 plan for
Vermont, and end up using it for New York.

The most common investments for 529 plans are those tailored to a child¶s expected date of
matriculation or the family¶s appetite for risk. Under IRS rules, 59 plan investors could only
make one change per year; in December of 2008, the IRS stated plan holders could now make
two changes per year. You can set up an annuity to invest in your 529 plan. A good way to be
sure that the interest rate for your payments remains the same is to have an annuity certificate.
An annuity certificate ensures that your interest rate will be the same no matter how long the
investment lasts.

Another lucrative investment can be found in foreign securities. Foreign securities are any
security in foreign currency in stocks, bonds, debentures, shares and other forms. Annuity
education can inform you and show you how to invest in a foreign security successfully. It¶s
important to understand how it works and how to invest directly on a foreign exchange. An
annuity education can help with this sometimes complicated information. For example, you may
want to know first why it¶s even a good idea to own a foreign security.

Investing directly on a foreign exchange is not the only way to gain exposure to international
shares. Take American depositary receipts (ADRs), which are certificates corresponding to a
certain number of shares of a foreign company. ADRs trade on U.S. exchanges providing
investors with timely dividend payments and widespread information, but sticking to ADRs
limits your universe to the large, multinational firms that tend to issue the securities (about 3,200
foreign firms currently list in the U.S.). ADRs are priced in U.S. dollars, so they mute the effects
of exchange-rate fluctuations²one of the arguments for investing in international stocks.

The U.S. share of exchange-based global market capitalization has been falling, from 52% at the
end of 2001 to 35.2% as of September 2007. As of January 2009, roughly 40,000 stocks traded
in foreign exchanges²compared with about 6,000 on the NYSE and NASDAQ.
At one time, sticking to the domestic market ensured the world's greatest quality of management,
accounting standards, and transparency. But much of the world has caught up: Today more than
1,500 of the world's largest 2,000 companies are domiciled outside America's borders, including
industry leaders such as Nestlé, Toyota, HSBC, Royal Dutch Shell, and Samsung.

While foreign markets have some unique investing risks²some regions are more volatile and
can have the potential for faster gains or losses²they have also been home to some of the largest
returns over specific periods of time.
International markets historically have been much more likely to produce outsized returns than
U.S. stocks²or other assets, for that matter. Of the 50 top-performing stocks in the MSCI All
Country World Index through March 31, 2009, 40 were foreign. Foreign countries have a much
more favorable macroeconomic outlook than the U.S.²which could provide the backdrop for
greater stock returns. U.S. GDP is expected to grow 1.5% during 2010, compared with 3.1% for
the overall world economy.

As you can see, there is a lot of research and information to understand before investing in any
plans or securities. To make the best decisions, you should attempt to simplify the information
and understand what works best for you and your financial situation in the end.
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