We are having a baby end of October and my parents and others asked if we have an account set up so they can give money, assuming college. They would like something like a 529 plan so they can get the tax write offs, but is there other type of accounts I can open for her that they can still add yearly and get the benifits. Only reason I'm hesistant on the 529 is what if she doesn't want to go to college and you lose 10% right off the bat