P2P assets may offer a higher rate of return at a lower risk level currently available from traditional debt based securities.

与传统债券相比，P 2 P资产形式目前能够在较低风险下提供更高报。

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The rate of return on American index-linked government securities (also a real return) is roughly 4%.

ECONOMIST: Shared values

Another good bet for a 529 would be Treasury Inflation-Protected Securities (TIPS), which currently return approximately 3% plus whatever the inflation rate turns out to be. (Currently, that works out to a combined 5.5%, according to Vanguard's John Hollyer.) Unfortunately, the only 529 investors with access to reasonably priced TIPS are residents of South Dakota, who can buy into a Pimco TIPS fund with no load.

FORBES: Investment Guide