529 Plan and College Savings

Question: How do the following make it easy to make $-efficiently? 529 Plans, 401k, Unified Tax Free…?

1)Zero Coupon bonds: taxable & tax-free
2)UGMA’S United Gift to Minor’s Act
3)529 Plans
4)Unified Tax Credit
5)ira trad -roth
6)401k
7)Index Funds
8)ETF’S

Answer: In 401k, 529 plans and IRAs you do not need to worry about ta efficiency because the taxes are deferred until they are withdrawn(or never for 529).