Is a 529 college savings plan better than a custodial Roth IRA for my newborn baby in terms of state tax benefits in New York?
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The searches the AI actually ran for this prompt.
SEED QUERY
Is a 529 college savings plan better than a custodial Roth IRA for my newborn baby in terms of state tax benefits in New York?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
New York State 529 contribution deduction 2026 $10,000 $5,000 official tax department Google ↗
New York 529 plan tax benefits Roth IRA custodial earned income IRS official Google ↗
- 2025 Form IT-201-I, Instructions for Form IT-201, Full-Year Resident Income Tax Return · tax.ny.gov
- Roth IRAs · irs.gov
- Topic no. 309, Roth IRA contributions · irs.gov
- NY's 529 College Savings Program · nyc.gov
- NYS Open Legislation · nysenate.gov
- Savings Programs: NY 529 and NY ABLE · osc.ny.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- TSB-M-98(7)I:(12/98):New York Tax Treatment of Roth IRAs:tsbm987i · tax.ny.gov
- What is a 529? · nysaves.org
- Instructions for Form IT-225 New York State Modifications Tax Year 2025 · tax.ny.gov
- Publication 970 (2025), Tax Benefits for Education · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York State 529 contribution deduction 2026 $10,000 $5,000 official tax department OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
New York 529 plan tax benefits Roth IRA custodial earned income IRS official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |