Consumer Reports picks top 529 plans. If you have a little spare cash to squirrel away for college, you’ve probably given some thought to those state-sponsored, tax-advantaged 529 plans. But with over 50 to choose from, where do you start? How about right here, with some tips from the Consumer Reports Money Lab. The blue-coated boffins picked their five fave funds, paying particular attention to those that offered “below-average fees and an investment strategy that was sufficiently aggressive in the early stages and appropriately conservative later on.” Oh, and parents, here’s another tip: You can usually change the beneficiary on a plan to another family member. So, if you were saving for Johnny and he goes deadbeat after high school, you can pass his cash along to Janie. Or just use it for yourself. Admit it: you always wanted to ditch it all and go to film school, right? [Consumer Reports Money Adviser]

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