re: Why do people think that they can lie to insurance companies?

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529 with mutual funds?

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Yes, or with ETFs if you prefer. Only thing I caution about ETFS is to buy an index ETF and leave it alone. Set it, and forget it. I have so many clients who foolishly, against my advice, buy and sell ETFS like stocks and end up losing money. You can also set up a trust with a few index funds.