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Anyone familiar with ABLE accounts (savings for disabled people)?


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Posted (edited)

I am looking at opening an ABLE account for dd13. She is getting a back payment from SSI and want to save it for her. I am looking at ABLE accounts but it is a bit overwhelming to choose. I don't generally invest beyond my 401K, so it is all new to me. I found a tool to compare different states plans but wonder if there is something beyond the obvious that I need to look for. Like....do I need to worry about the strength of the company (Vanguard is our state plan-Washington) or are the all pretty stable? 

What I know I want...

I would like for her to be able to use it toward a car in 3-5 years. A debit card (or other e-access) in case she doesn't get a car and we decide to use it for other things. It will have a minimum of 3 transfers into it (1 every 6 mths), but I don't know if it will have more than that or not. A yearly fee that is hopefully covered by the interest gained. I don't mind it staying stagnant, but hate to see it go backward. FDIC insured. 

Any suggestions or things to watch out for? 

Edited by Tap

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