Pennsylvania offers asset protection from creditors if I invest in my home state 529, but their expense ratios are nearly double Vanguard's Nevada options (0.33 for the PA 529 total stock fund vs 0.18 for vanguard). I am a physician with good malpractice insurance (3M limit, 1M per occurrence), but there is always the possibility of a catastrophic injury resulting in a high dollar lawsuit that exceeds my coverage.
A lawsuit of that nature would be unlikely, but still entirely possible. Any advice on whether I should pay the higher in state fees for the extra security?
For reference:
Vanguard options
https://investor.vanguard.com/529-plan/ ... nd-returns
PA 529 options
http://www.pa529.com/pdf/ip/IP-Disclosure-Statement.pdf
A lawsuit of that nature would be unlikely, but still entirely possible. Any advice on whether I should pay the higher in state fees for the extra security?
For reference:
Vanguard options
https://investor.vanguard.com/529-plan/ ... nd-returns
PA 529 options
http://www.pa529.com/pdf/ip/IP-Disclosure-Statement.pdf
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