What are the best alternative high-yield savings vehicles if I want to move funds previously earmarked in a 529 plan that won't be used for college?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the best alternative high-yield savings vehicles if I want to move funds previously earmarked in a 529 plan that won't be used for college?
3 real searches · 1 real-search pass
IRS 529 nonqualified distributions 10% additional tax Roth IRA rollover 35000 15 years 2026 rulesGoogle ↗
OBSERVEDConsequence
529 plan unused funds options change beneficiary Roth IRA rollover rules 2026 state tax recaptureGoogle ↗
OBSERVEDComparison
FDIC deposit insurance savings accounts money market deposit accounts Treasury bills tax treatment officialGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 529 nonqualified distributions 10% additional tax Roth IRA rollover 35000 15 years 2026 rules Google ↗
529 plan unused funds options change beneficiary Roth IRA rollover rules 2026 state tax recapture Google ↗
FDIC deposit insurance savings accounts money market deposit accounts Treasury bills tax treatment official Google ↗
- Topic no. 313, Qualified tuition programs (QTPs) · irs.gov
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- 529 rollover to Roth IRA: 2026 rules, steps and penalties · investor.vanguard.com
- 529-to-Roth IRA Rollovers: What to Know · schwab.com
- Your Insured Deposits · fdic.gov
- What is a money market account? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 529 nonqualified distributions 10% additional tax Roth IRA rollover 35000 15 years 2026 rules OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
529 plan unused funds options change beneficiary Roth IRA rollover rules 2026 state tax recapture OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
FDIC deposit insurance savings accounts money market deposit accounts Treasury bills tax treatment official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |